As someone who forges security questions, and at the risk of playing No True Scotsman, we keep these answers in the database with our passwords
And yeah, if we lose the database I guess we're screwed, but tbh, after ample backups, the risk of the database being leaked is way higher than the risk of losing it despite replication.
> I ran into one once that a 6 character minimum length for the answer
This is a problem too, but at least it works if you manage to talk to a living person - even if you don't remember exactly how did you wrote something you can prove you know the answer for the security question. With 'cp359-qreor-534wej' as an answer you have no chance.
could not login into the customer portal because he lost/forgot the password
could not perform the password recovery procedure because his answer for the security question is some nonsense like 'blade-purge-satin-dash'
*shrug_emoji*