Except it probably doesn't, framing matters. People put up with it because they are led to believe that it's their problem, just like if someone broke into the

Except it probably doesn't, framing matters. People put up with it because they are led to believe that it's their problem, just like if someone broke into their home and stole their TV. People would be much less likely to accept the same reasoning from their bank if it were not stated as "Someone stole your identity, we are sorry you have to pay this", but instead as "A third party defrauded us, we are sorry you have to pay this".