Could you give an example of how it is possible to take over an email account just by having an e-mail conversation with the owner?
Here's how I deal with sites that require them:
site: "What is your first teacher's name?"
me: "'Fx|<n8K@W8#[_,[ (1p)jqPC"
The answer is a password equivalent, so I just treat it like a password.
Or is this for when the account is locked for some random reason?
"Hey, how are you?"
"Pretty good. We're thinking about getting a dog so I went to the shelter this morning."
"Oh really?"
"It's tough to find one that's a good match though."
"Definitely"
"You ever have a dog?"
"Nah, wife's allergic. Had a snake as a kid though...called him Mr. Slithers."
email recipient: Pasword123
me: thanks.
JOB DONE :-)