Ugh! This is my pet peeve. My brokerage house will reset your password (which is fine) and convert your account back to single factor authentication (which is

Ugh! This is my pet peeve. My brokerage house will reset your password (which is fine) and convert your account back to single factor authentication (which is... WTF?!) if you answer the security questions over the phone. What was the point of getting that stupid fob when any idiot can bypass it if he knows my mother's maiden name?