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HT, your ideas are great in theory and have been passed around here for a very long time. Unfortunately you are not the first one to come around here trying to fix something that many consider - not broken. GFY is a terrible place to give out good info because a lot of people are just here to talk shit.
These problems you have discussed have been a problem since the beginning and will be here in the end. Things change to fast for anything to make a difference. MD5 passwords can be cracked a lot faster then you posted BTW. Rainbow tables, look it up on Google. If you fix a hole, another is posted publically a few months later.
The webmasters all know this and are affected by it, but they are making millions so like I was saying earlier, if it ain't broke, don't fix it.
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