The issue is made so much worse because banks and the like are willing to withdraw money from someone's account with just the SSN and some other basic informati

The issue is made so much worse because banks and the like are willing to withdraw money from someone's account with just the SSN and some other basic information. And the banks aren't held accountable when they give your money to a scammer. Rather they blame you for identity theft, and the government sides with the banks.