Sometimes I wonder if the real vector for fixing “X business was attacked; Y million personal identifiers were accessed” is to ratchet up on-opening and post-opening identity verification in the financial industry such that knowing 4 facts about someone isn’t worth $Xk++.
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Maybe we need to tell issuers “OK, you issued a credit card without authorization from the putative customer, and took a $600 fraud loss. You just forfeited the identity security bond; take the $10k hit this quarter.” (This would not be a consequence free policy!)
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