Thats what banks here in Australia do; instead of needing everything right, they ask half a dozen questions which most need to be correct. Which is insecure, if

Thats what banks here in Australia do; instead of needing everything right, they ask half a dozen questions which most need to be correct. Which is insecure, if you ask me, but the importantly weighted questions are things like "whats your account balance on <account> here?" and "what account types do you have?" which aren't public info, I guess?