If you have malware that can read your disk, then you have bigger issues than MFA? In other words - focus on solving the real issue (ability to give more fine-

If you have malware that can read your disk, then you have bigger issues than MFA? In other words - focus on solving the real issue (ability to give more fine-grained permissions to programs) rather than restricting the ability of users to do what they want with credentials they already have on hardware they control.