Rather good observation in the comments: """ Patrick Kelly April 16, 2015 at 9:03 am “Identity theft” is a lie. There is no such thing as “identity theft”, i

Rather good observation in the comments: """ Patrick Kelly April 16, 2015 at 9:03 am “Identity theft” is a lie. There is no such thing as “identity theft”, it’s all fraud. The term “identity theft” was created to put the burden back on the consumer, away from financial institutions. The actual problem is that the cost of actually verifying identity is higher than financial institutions want to bear. """