I agree with you other than in this part: > How long before an internet and phone background check is standard in the background checks organizations do before

I agree with you other than in this part: > How long before an internet and phone background check is standard in the background checks organizations do before offering jobs? this is a typical scenario of unaware teen: he signs up for facebook, put bunch of pictures, then get in some sort of trouble due to that (stalker, troubles at work/home/school etc). That is like a cold shower. Most teens learns from first, second, third mistake. Then they stop posting photos OR at least think twice before clicking upload. Not only it would be incredible abuse on FB part to share your history in a way that your data could be as valuable as credit card history, I am sure people would stop using Facebook had known their _private_ facebook life stopped them from getting a credit card or some other benefits.