I think somehow you misread my message.
Alot of people use apps or browsers which save their passwords for them this means that they
dont actually have to ever type it. By the time your app crashes or your pc fails or Microsoft simply believes someone else has used your account you may have changed your number and no longer have access to it and no longer remember your password. At which
point a automated form will ask you questions about your account not questions that never change like i suggested but questions that do therefore it can be hard to remember.
hence why i was locked out of my account for over a year.
One day i googled the number and found out what network it was i then called the network and said i had lost my sim card and gave my address they sent me a new one which allowed me to receive the code.
The reality is i use a 4 digit code on my bank app to bank and my bank doesnt need security anywhere near as tight as microsoft yet there is nothing in my email account of any value.
the form didn't work and my account held cv,s in my name and address and emails the profile had my name and picture i told them i would send photo id or even skype to show its me. i named many other ways i could show its my account they didn't care in the
slightest all they kept saying is use the form over and over worst service i have ever had from a company truly awful.
my bank ask me 3 security questions Microsoft could easily ask 10 which would rule out anyone accessing my worthless account except me