I doubt there is really a usability decrease.<p>A former bank of mine implemented a system where: (1) you were highly advised to enter your banking pin via mouse using a pad;  (2) in addition to entering your password, you also had to have a further passphrase, from which you would be prompted to enter a few characters at random indexes; (3) you could not simply wire funds to any random account; you first had to "add" that account "as beneficiary" -- and this "add" action had to be confirmed via a code SMS'd to you by the bank.<p>Not to say this makes things completely secure, but it certainly raises the barrier.<p>This was deployed 7 years ago by a third-world-country bank, afaik its still in effect today.