Balance of power. You can draw an analogy to price elasticity in economics (more directly, the cost of switching). Because of identity theft, the expected cost

Balance of power. You can draw an analogy to price elasticity in economics (more directly, the cost of switching). Because of identity theft, the expected cost of business between you and the bank has gone up. Who has an easier time switching to an alternative: you (to another bank), or the bank (to another customer)? Based on that, you can conclude, fairness aside, who ends up carrying the burden of addressing the identity theft.