> The main problem trying to be fixed here is "identity theft". It wasn't a problem, at least it wasn't up until the point that creditors reframed it as "ident

> The main problem trying to be fixed here is "identity theft". It wasn't a problem, at least it wasn't up until the point that creditors reframed it as "identity theft." It's fraud, plain and simple, and if it were treated as such, the burden would be on entities that have the resources to handle it (and who are also responsible for enabling it) instead of ruining the lives of normal people just going about their business. Oh, you loaned money to someone claiming to be me? I don't see how that's my problem. Sucks to be you. Maybe rethink mailing out pre-approved credit cards in the future. > Banks should have to know who they are loaning money to and if they make a mistake, that needs to be solely their problem. Agreed.