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I don't understand what this buys you. If you have access to your password vault, why do you need the security questions? If you lose access to the vault, don't
by kevinmchugh 8y ago
I don't understand what this buys you. If you have access to your password vault, why do you need the security questions? If you lose access to the vault, don't you lose the account?
- biggerfisch 8y agoThese questions are often required to be answered and some places, like vanguard, use them as a form of 2fa. Additionally, it's possible for the bank to reset passwords for some reason (hack, error, etc) and still keep these around. The point is no longer account recovery, that's correct, but it does buy you a lot of things.
- oconnor663 8y agoThe problem is that when someone claims to be you and says they've lost your password, the security questions are sometimes the only thing preventing the customer service rep from letting them bypass the password entirely.