What about the user??

As a user, I don't always care that much about security. I use a throw away password and wouldn't be that upset if my account was compromised.

What i do care about is your stupic website that imposes unreasonable cpnstraints on my password, then corces me to answer three personal questions, information id prefer not to share, information that becomes less useful the more it is shared.

Lets find a solution. How about a checkbox that says "does security mayter to you".