Littlegolden you can already customize who can use the feature via the permission tab. By default only admins can use it.
Technically, there's no added security to let people opt out. An admin can always force a password change if they want to login into someone else account. It's assumed admins have total control of the data.
Something that could be developed (most likely as a different extension), is a "ask for help" tool, which would let normal moderators access other users account when they request it. Kind of like flagged messages in byobu give moderators access to the private discussion. I don't see how this would be useful in a simple discussion setup though. It starts to make sense if you build some kind of advanced app with Flarum and offert some kind of paid support.
