You say "identity theft", I say "a strangely socially acceptable discourse by which financial institutions shift fraud risk to consumers."
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(A particularly unfun one: Alice's estranged Mother Mildred opened an account with Bob using Alice's details because Mildred is a criminal.)
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(If Mildred had stolen money from Bob using a gun Bob would deal with it, but she stole it using a pen, and so it is Alice's problem.)
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