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This sounds great and I've got to try it. It scares me when I read these threads about people losing their money on these BTC websites like Mt Gox. They aren't regulated of course so just extra dangerous compared to a regular US bank.  of course the returns are better but so is the risk.

It is probably set up that to discourage spam and denial of service attacks.

Bitstamp sells Ripples on their website (for USD, not BTC).  They are out of stock most of the time but they usually sell for .0044 dollars each...or .44 of a cent.

It seems like you could just take Ripples strengths and perhaps make it so it isn't pre-mined and it would ultimately be superior to bitcoin.  Actually there are probably some other alt coins that are superior to bitcoin but it has first mover advantage and most all of the attention.

How do you install 2 factor authentication if you have a Windows PC?