Banks and financial institutions are beefing up their security for good reason but must I really have to identify a picture of a dog (as I do with one of my accounts) or have to answer one of several possible challenge questions each time I log in? Sometime those questions are ambiguous or hard to answer. At the very least they're annoying. I used to rely on a nifty program called RoboType to type in all my passwords but, as smart as the program is, it can't anticipate what question my bank might ask me.
It took me several tries to sign up for SpinVox, a nifty service that helps you organize your voice mail. Maybe my eyes are getting weak or my brain is having a hard time handling ambiguity but because they drew lines through the characters, I had hard time distinguishing between E and Fs, 7s and 2s and of course the letter O and a zero.
I'm no security expert, but there has to be a way to lock out intruders without making life too difficult for the rest of us.