another bad habit are those "security questions". For me, the only proper way to deal with this is to have your mother maiden or pet name be cy4nEp7UtNsz and save that (along with the question title) in your (properly backed up!) password safe.
The only time I needed my security question was when changing email address on PayPal. I gave them a call and was able to change it by reading the security code (a randomly generated PIN).
Any company giving access to your account by security questions is not to be trusted. I never keep more than a few euros in my PayPal account for multiple reasons, and this is one of them.
Shameless plug to a post I wrote on security questions: https://lucb1e.com/?p=post&id=65