Nearly everyone has a point, but not everyone on the net is a), experienced enough, b), sophisticated enough, c), paranoid enough, or d), [fill in your own term] enough, to lie.

And whatever contrary opinion you may have on the subject (and you are certainly welcome to it), it is the opinion of most security experts that, in these days and times, it is always a good idea to get your guard up any time anyone wants your mother's maiden name, or any other personal information that is commonly used by financial institutions (and the government) for purposes of proving you really are you.