User account security measures offer annoying barriers without a reasonable payoff

Random internet browsing brought me to a choice user response to "internet security measures":

Like, I know they are there for good reason, but so many web sites require so many different variations of passwords, I just can't keep up with them all. My bank for example...It's one of those "password must contain atleas 8 characters, upper and lowercase and atleast one number". Okay, I did that, I've managed to remember it...but then, I have to have 8 different security questions. It doesn't always promt me with one, but about every 5th time I log into the site they throw me one of the questions. I can't keep up with all the answers. There are multiple answers to most of the questions. I don't have a fave band, I have several. I don't have a fave candy, or movie or any of that other crap.... So, if I answer wrong 3 times, they disable my account and make me re-register it.....*grumble*

Demographics: female in her 20s on a social networking site (LiveJournal) with novice to intermediate internet savvy (i.e. email, web, url copying, picture/video uploads, IM, etc.)

I think the most interesting thing here is that a lot of internet security measures put up lots of barriers to entry but don't offer a comparable value to the usere either in terms of real security, or in perceived security.