This is one of those things where fairness is less important. If real-sokoloff is hurt, someone fucked up and needs to be held accountable and make real-sokolo

This is one of those things where fairness is less important. If real-sokoloff is hurt, someone fucked up and needs to be held accountable and make real-sokoloff whole. We can debate the how and the why, but the spirit of that sentence needs to be respected more highly than fairness to the bank or credit agency. Part of the reason they can be so Laissez Faire about it is because it's not their risk and they're not the ones that need to be made whole. Regardless of how it happens, it needs to happen. Making it their risk would convince them to figure it out.