If the TMS causing a twitch is existing textbook knowledge, then are they doing anything new at all? Reading some kind of signal from a trained person's brain is also already commonplace.
"... spending his days at a company apartment in Norcross, Georgia. His first assignment:Wait for Softech to find him a job. After languishing for 10 weeks without work or full-time pay ..."
This means free housing and paid unemployment benefit, plus the people paying you are finding you a job themselves. I'm sure there are some Americans who wouldn't mind subscribing to that service. Yes, there's a cost of not quitting before you contract's up, but for some it may be worth it, as long as they're sufficiently well informed.
There's a balance between keeping others out and preventing yourself being locked out. Every time you add another factor, you also have to add another recovery option in case you lose that factor:
:) Hacker must break (A and (B or C)) or (D and (B or C))
:) Losing (A and D) or (B and C) locks you out
Only the 6th option is unambiguously better than a single password. I guess using a friend's phone for password recovery and your own for 2FA would achieve that.