I think a lot of the people who have had identify fraud happen to them would say their life has been ruined. This seems like a silly argument on whether or not

I think a lot of the people who have had identify fraud happen to them would say their life has been ruined. This seems like a silly argument on whether or not their lives have been "really ruined" or not when we get the point. Yes, it is a phrase, maybe it is overused, but does it really matter?