In the same vein as 2fa, going up to a fresh computer and trying to log into anything is now a nightmare. Every service has a 2fa that somehow loops into another provider that also has 2fa.
And some 2fa, if not many, make accounts weaker. Apple's solution to get around 2fa is to put in SOMEBODY ELSES phone number that I trust, as a backdoor. It's an insane solution. And its normalized, and nobody questions it.
its just three additional passwords.
should you type the same brother name in each time? should you even answer with a name?
don't get me wrong, they were insane, but they can be repurposed.
Then you'd have the option to craft a question which is (A) personally memorable (B) specifically phrased to avoid ambiguity, (C) not public or guessable, and (D) unique to a service.
* "Where is your first pet buried?"
* "While on vacation, The Noodle Incident happened in which city?"
* In what year did you first see Example Band live in concert along with Alice and Bob?"