Comment by econ

I'm no crypto expert, just fooling around.

The security questions are like extra shares of lower value.

My mental model is something like burying the password in your 100x100 yard. You give one friend the X and a different friend the Y coordinates both rounded down to a multiple of 10 meters. The security questions can be added to the X and Y coordinates.

X = 30 + 2 + 3 + 1

Y = ?? + 3 + 5 + 1

You only have to dig 9 holes now.