The real story is we could have trivially stopped this fraud by issuing 2FA tokens to every American less than the cost of this fraud. We could also have requi

The real story is we could have trivially stopped this fraud by issuing 2FA tokens to every American less than the cost of this fraud. We could also have required debit cards in place of direct payments to random banks be sent to the address on file with the IRS for the majority with correct info on file and handled the minority of exceptions by in person appointments at a government office including for example post offices where you would show government issued photo ID to receive your debit card.