> as an industry they all have a strong incentive to work together to prevent fraud. Do they? It looks to me like the industry has treated the fraud problem (w

> as an industry they all have a strong incentive to work together to prevent fraud. Do they? It looks to me like the industry has treated the fraud problem (which they created) as an opportunity to sell more services (credit monitoring, fraud protection, etc.) without addressing the security problems with their antiquated technology.