I think the fundamental issue that we need so much personal information to open an account but there is no law protecting that piece of information. We have to

I think the fundamental issue that we need so much personal information to open an account but there is no law protecting that piece of information. We have to take the fallout by ourselves. I can't really think of anyway to get out of this, except that to use as much tailored information (email and phone can be tailored to a specific financial service, and even address can be, but the most important ones, names and birthdays cannot sadly) as possible.