Unfortunately, the people in charge of these systems have enough money to hire people to do all of this crap for them. They don't do their own taxes, they don't

Unfortunately, the people in charge of these systems have enough money to hire people to do all of this crap for them. They don't do their own taxes, they don't open their own credit cards, they don't negotiate their own mortgages or car loans, nothing. They just tell their butler or financier or real estate agent or whatever "Go get me an X" and that other person deals with all the shit. Being the target of identity fraud just means they hire another gofer to deal with it full time for six months which costs them so little money, relative to their wealth, that's it's not even worth thinking about. And they're not even using their own credit, most of the time, they're using the "credit" of some shell corporation or limited liability corporation or trust or whatever other financial bullshit they hired a dozen lawyers to set up to commit tax fraud. So no, they experience none of the shit they perpetrate.