Yeah, sadly there's just no incentive for anyone - neither U.S. government or U.S businesses - to alter their behavior. Even sadder, any pain of identity theft/

Yeah, sadly there's just no incentive for anyone - neither U.S. government or U.S businesses - to alter their behavior. Even sadder, any pain of identity theft/fraud are felt by the victims/citizens, and not felt by businesses or government. Unless/if/when this changes, identity theft/fraud won't really go away.