No need to complain about the crappy system with the stupid questions. Its not like you or anyone else can come up with a better solution, or at least didn't successfully lobby it to their banks.

Although--- you might however, expect that the **RSA** would. These are the guys who brought you the private/public key system which breaking it would require factoring hundred-digit long integers btw. You break that, you either win the Nobel Prize (um, ok just the Turning Award) or get secretly assassinated by the CIA, whichever comes first.

So hey, if the RSA guys can't think of anything better, just go with it man. Although this wouldn't be a feat of computer ingenuity, but overcoming the limiting reagent of human intelligence.

PS-- Hey you banks, why not charge just your customers a fee for forgetting their passwords. You charge so many bullshit fees anyway, whats one more. This way you're actually tying one of your fees to something thats actually the customers' fault as well as something thats actually costing you, AND letting the free market push customers into remembering their passwords. Just a thought.