It looks like multi-sig vault is the way to go. people loving this idea of having more people involved in the same outlet. Nice one. It was only a matter of time for Coinbase.
I do like this idea, however I think it will be too complicated for many more novice users. I would say that many users who do not have a good technical understanding of bitcoin and/or technology will likely not be able to navigate as to how multi-sig works and how to properly use it
For the less tech-savvy new bitcoin users, I believe the normal 2FA is good enough.
For those looking for better security, it is not very hard for them to learn to use multi-sig, personal wallet and offline wallet.