It’s because they call it identity theft. It’s not the bank getting defrauded but you having your identity stolen. Someone steals $1000 from a bank, they come

It’s because they call it identity theft. It’s not the bank getting defrauded but you having your identity stolen. Someone steals $1000 from a bank, they come to you and say hi he said his name was kmonsen so we would like to get the money back from you.