Right. The other main category of problem that comes with identity theft is my own resources being used (e.g. an account, bank or otherwise) by a non-me. Agai

Right. The other main category of problem that comes with identity theft is my own resources being used (e.g. an account, bank or otherwise) by a non-me. Again, this goes away if you use real authentication rather than "oh, he has a photo of a pink bit of plastic with an address on it?, gosh must be him, here you go!". It would be more expensive to do so, though, so we don't. The burden is pushed on to the end user.