Creating applications to be user friendly (and user proof) is an extreme work, but time from time you always get some great idea for improving any system usability.
I was doing my taxes with Turbo Tax and, after everything is done I got one email with a good concept. It holded the username, a blank space for the password, the security question and a space for the the answer for that. Just like the image bellow.
Off course that if you are a little too worried about internet security (just like me) you would never print this card and keep it anywhere, but, consider for somebody that have trouble keeping passwords I bet this would be extremly usefull.
Anyway, the point is that the way the email was construcuted made easy for the user to be confortable with their information to use the site.