Most of them use only one security question. For instance, mother's maiden name tends to be a fairly popular one. Unfortunately in many cases this information is not very hard to find, especially if the attacker knows the legitimate user. These generic security questions are also re-used across many applications, thus making them even more insecure. An attacker could for instance overhear a coworker talking to a bank representative at the work place and supplying their mother's maiden name for verification purposes. An attacker can then try to log in into one of the victim's accounts, click on "forgot password" and there is a good chance that the security question there will be to provide mother's maiden name. A weak password recovery scheme totally undermines the effectiveness of a strong password scheme.