This really, really pisses me off about society today. Never once has my identity been compromised by my actions, in the 4 times it happened, it was due to cred

This really, really pisses me off about society today. Never once has my identity been compromised by my actions, in the 4 times it happened, it was due to credit card companies and credit agencies. I have zero control over how they protect my data. But their ad campaigns would have me believe that I have to take control of my data to protect myself. How? I don't even know what you have about me, where it's stored, how it's stored, how it's accessed, why it's accessed, and how to lock it. How could the individual possibly be on the hook for this nonsense? Why is this allowed?