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I wouldn't put it as part of the fundamental game play.
Instead, I'd perhaps put locks on the stairwells that had to be passed by answering a question, or on a vault door, or something like that.
I certainly wouldn't want to walk up to a random Kobold and, suddenly, a math quiz pops up.
You could also do it on events, such as WoR returning to town, leveiing up, or something like that.
I don't know how many "questions per hour" of play time you would be looking for.
But I think putting the loot behind a locked door could be useful.
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