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