ams6110, I wish for a world where your quote "I want to get back to a place where routine facts about me do not need to be secret or something I worry about" we

ams6110, I wish for a world where your quote "I want to get back to a place where routine facts about me do not need to be secret or something I worry about" were true. However, pandora's box is open and we can never ever go back. When you say, "The onus should be on anyone granting credit to verify that the person is who they claim to be" I couldn't agree more. This goes to the heart of my argument, you cannot trust those granting the credit. The invisible hand isn't working here. The only other option is to use fear to keep them in line... fear of a regulator that has teeth.