Re: I ENVY that.
"They also require people to fill out "Security Questions" most of which are either re-usued by every other site and service in the world, are easily guessable or public information, or are vague and could change over time. "
You do realize that the answers you provide when setting up security question responses don't have to be correct, or even remotely related to the question, don't you?
My approach is to provide unrelated nonsense answers to security questions eg., Security question: "What is your mother's maiden name?" Expected response: "I'll have a whale burger with extra fries please."
The only downside to this is that you need to keep track of your answers in a good password saver, but if you're doing passwords properly then you're probably already using one of them.