Nobody is really answering your question. I suspect the people who could answer it aren't on HN, and probably don't have the technical ability or the vendor su

Nobody is really answering your question. I suspect the people who could answer it aren't on HN, and probably don't have the technical ability or the vendor support to root cause the thousands of dollars of fraudulent transactions on their credit card. Banks likely just reverse the transaction and report it to the feds. Maybe there's a bunch of loans in a victim's name which they won't find out about until they go to buy a house in 5 years time. How would anyone even tie that back to an old phone? Unfortunately, having your identity stolen isn't as simple as a notification which pops up saying "This literally just happened. Should have updated to Android 12".