When I did it, all it meant was anyone offering a line of credit to me if I'm not present right in front of them is supposed to call me to verify I want it. It'

When I did it, all it meant was anyone offering a line of credit to me if I'm not present right in front of them is supposed to call me to verify I want it. It's not even really any inconvenience to have "frozen" credit. Why the everloving fuck that's not the default, but something you have to request, I have no idea.