Secret Questions are not a Secret

Technology Review took a look at an advance copy of a study that validates what Ms. Palin already knew. Secret questions don’t help much: 
In research to be presented at the IEEE Symposium on Security and Privacy this week […] the researchers found that 28 percent of the people who knew and were trusted by the study's participants could guess the correct answers to the participant's secret questions. Even people not trusted by the participant still had a 17 percent chance of guessing the correct answer to a secret question. 
This is a fundamental and well-known problem. Putting real numbers on it should help those who are in the design meeting where secret questions get brought up.

To re-hash the secret question problem, either I answer the questions correctly and risk a 1 in 5 chance that a stranger will guess them, or I fabricate unique, nonsensical answers. If the fabricated answers are such that they can’t be reasonably guessed, then there isn’t much chance that I’ll remember what I answered, so I’m stuck writing them down somewhere and tracking them for a decade or so.

Obviously there are solutions that I can implement myself, like using a password safe of some type to store the made-up questions and answers. But what about the vast majority of ordinary users? How many of them are going to set up a password safe, figure out how to keep it up to date, replicate it to a safe location and not lock themselves out? Not many. They’ll have no choice but to write everything down.

I can image trying to explain to non-technical users that they need to have made-up answers to made-up questions, and that the made up questions and answers must be unique for each on line account, and the questions and answers need to be atypical enough that someone close to them can’t guess the answers even if they know the questions, and that instead of writing the questions and answers down, they need to store the made up questions and answers in a magic piece of software called a ‘password safe’, and they need to put a really strong password that they’ll remember and nobody else will guess on the password safe, and that they can’t write that down either, and they need to replicate the password safe data file to some other media, and if they forget the password to the password safe or lose the password safe data file, they’ll lose access to just about everything.

“Hey ma – here’s what I need you to do…download something called password safe…”

“I already have a safe….”

There’s got to be a better way.