>99% of the population won't have this problem because not even some of your closest friends know what street you grew up on or your mother's maiden name.

Those are the same hand-wavey thought processes used by people who are paid to know better that get them hacked.

If I knew your name and where you live, I could find out your mother's maiden name and the street you grew up on in not much more time than it took me to type this comment - especially if it were something I did all the time. Fact-based additional confirmation questions are stupid, and non-fact based ones are impossible to remember.

seriously: http://www.peekyou.com/ or any of these services will work, and many of them allow you to buy prepaid packages.