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"Identity theft" just means that a bank or other creditor failed to authenticate the identity of someone they incorrectly gave money to. Why on Earth should I i

• mehrdadn 7y ago
  Because we live in a less than ideal world, and you'll have to go through the trouble regardless of how right or wrong it is.
  • ericd 7y ago
    Sure, it might be a pain, but there’s no way I’m going to end up liable for their mistake, so I guess I don’t see the point in insuring that.