Make it life. The reason identity theft protection exists is because we have inadequate laws to sue these companies in the first place. If someone's identity ge

Make it life. The reason identity theft protection exists is because we have inadequate laws to sue these companies in the first place. If someone's identity gets stolen, the breached company should be fully responsible without the user having to file a lawsuit and pay a ton of money / spend a lot of time trying to fix things. Just to be clear, the breached company is typically the credit issuer or any party that allows unauthorized access to the wrong person. It's preposterous that the user has to pay for a mistake by the bank who gave a loan or other type of credit to an impostor. Make these institutions pay and fine then a percentage of their annual revenue up to a hundred percent. You'll see how quickly security practices change.