You say "identity theft", I say "a strangely socially acceptable discourse by which financial institutions shift fraud risk to consumers."
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Seems to me sane resolution is we make it straightforward for Alice to bill Bob for negative externalities of Bob's business decision here.
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n.b. Discourse of identity theft often functions to assume conclusion that Alice was asking for it by being negligent regarding security.
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Bob would prefer you don't ask too many questions about how Eve tricked him. It might hurt his bonus. 1yr of credit monitoring!
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