My bank does this and it was really annoying to have to create a table of randomly generated values as answers to their questions. I refuse to give real answers

My bank does this and it was really annoying to have to create a table of randomly generated values as answers to their questions. I refuse to give real answers to stuff like this; I'm pretty sure if you knew my real-world identity you could find my father's middle name without too much hassle for example. I'd prefer it if they just used TOTP or FIDO as their second factor because it's actual real security. Even SMS would be better than nothing.