I'd like to see 2 or 3 or 4 step authentication in place whenever someone tries to USE my data. Your data is over the place, in many hands. While it should be

I'd like to see 2 or 3 or 4 step authentication in place whenever someone tries to USE my data. Your data is over the place, in many hands. While it should be protected, it should also be much harder to use it to pretend to be you. You should be able to set up 0 or 1 or 2 step authentication for trivial purchases, 3 step for larger purchases or accessing credit, or even 4 step authentication for things like buying a car or house. Some steps could be approval require or denial required. Its enough to be able to deny the purchase of a latte, but you might want to always have to approve spending thousands of dollars. And we need to be able to set up new kinds of authentication steps, like fingerprints or the approval of one or more trusted relatives for an older person or child. Or even use a notary public. And you might have to use more of these if you are from home. And none of this should be manditory, but there should be sensible defaults that individuals can change. AFTER being well authenticated, of course :-) If we raise the difficulty level of stealing MOST people's identity, this will largely solve this problem, especially for those most wanting to solve it.