> After that date all liability for fraud perpetrated using an SSN as a shared "secret" will be assigned to the party who accepted the SSN as "authentication".

> After that date all liability for fraud perpetrated using an SSN as a shared "secret" will be assigned to the party who accepted the SSN as "authentication". That would solve the problem. Except that the problem isn't which party is legally liable. The problem is that the legal system is almost entirely inaccessible to the vast majority of people.