[cortesoft]

Yeah, but the key is you need to be able to remember it. Sure, you could store it somewhere, but often times the reason you are needing to use it is because you don't have access to your normal system (computer, phone) that you use to login with.

[projektir]

I don't recall the last time I used secret answers to get into anything. I don't perceive it as a valid way to get into an account. But the option cannot be refused... so to me it's just a security risk.

[sersi]

I've had to use security answers because I was locked out by systems that detected I was using an ip from a different country and so refused my correct password and were using the security questions as a kind of extra authentication.

The amount of stupidity needed to build such a system is staggering.