You're all forgetting the rules...
Not only do they ask these "stupid" question but they set rules on the answer.
Where where you born? Bath
*Sorry please enter an answers longer than 5 characters.
Resetting by SMS is a nice idea, but I still work in an area of the UK that has zero mobile coverage. When my bank started using a 10 minute SMS message to grant access to my on-line account I was locked out from work. Very frustrating...