Steam guard suggestion

So i wanted to propose a suggestion i am sure most of you know you need steamguard enabled for at least 15 days to trade or use the market. This is a good thing because it protects your account however with the addition of the mobile auth and such i feel it is redundant. I want to propose suggestions and see what you guys think:

-No trading at all for the 15 days i think this is still good because this will full eliminate all scams/hacking etc.

-While you are within the 15 day window you should still be able to use the market however anytime you do any type of transaction why not have the user input their secret question/last 3 digits of credit or something that only the account owner would know.

TLDR: You should not be able to trade without steamguard enabled for at least 15 days, but i think not letting the user use the market is a bit excessive, read suggestions above.