No way to avoid it.
but it can be anything, it does not have to make sense, ie, the answers.
After set up, most of the time, the system will just send that 6 digit code to your mobile phone to log into your QFF account.
They can also lock your account, if they feel that something untoward has happened, sometimes too, they will lock your account for no apparent reason.
But do write down the answers to the questions somewhere tho, its a pain in the **se to reset.
If you have forgotten the answer to the 3 questions, you will have to phone up the QFF centre where ever it is now, and pass the security test verbal questions.
Touch wood, I haven't as yet been locked out, or anything happen as yet.
My QFF bal is purposely low, I keep it under 5k most of the time, so the(y) ie scammers can't make use of any points I have.