> The good news? With so much stolen information in circulation, there’s almost certainly an oversupply of raw materials for fraud and an undersupply of willing

> The good news? With so much stolen information in circulation, there’s almost certainly an oversupply of raw materials for fraud and an undersupply of willing criminals. This is what I've always used as cold comfort. Given the degree of anarchy on the side of the actual data, and given that society hasn't totally collapsed yet, it must be that deterrence by companies and prosecutors is good enough on its own to keep fraud from happening everywhere it could. Even though chances are high that your information is out there, chances remain relatively low that you'll actually be targeted. Of course you still want to keep yourself out of that minority by freezing your credit, etc., but it's something.