This is a game of whack-a-mole, and no amount of regulation will help if the fundamental identity is founded up on bits of information like this. We should pass

This is a game of whack-a-mole, and no amount of regulation will help if the fundamental identity is founded up on bits of information like this. We should pass regulation for verification of identity using secure means, not giving out SSN + Birthday and call it a day. This is making the problem worse I think.