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Apparently I am still grumpy. Today I was reminded of a problem that I continue to have when signing up for accounts. The so-called personal question!
We battled this problem when working with banks - they wanted to the middle-name of your second aunt and that effectively made having others responsible for making changes on the account from accessing the data. That is great for personal accounts - not so great for corporate accounts where the individual responsible for the account might be gone tomorrow.
There needs to be a better way to ensure corporate access to accounts - and still provide security (I like the RSA keychain devices - still geographically limiting but works better than “Your favorite color?”)