So, if everyone did switch to saying "the bank was defrauded by someone impersonating me", you think that would have no effect on how banks perform authenticati

So, if everyone did switch to saying "the bank was defrauded by someone impersonating me", you think that would have no effect on how banks perform authentication vs. if everyone says "my identity was stolen"? Or are you saying that you think changing the use of language in such a way does not ever work? Or something else?