it's not about blame, it's about responsibility. "identity theft" implies that your identity is a thing that can be stolen from you, and you need to be respons

it's not about blame, it's about responsibility. "identity theft" implies that your identity is a thing that can be stolen from you, and you need to be responsible for preventing it from being stolen. instutions should be respomsible for protecting themselves from fraud, they shouldn't need me to protect them from my identity being used in an unauthorized way.