You say "identity theft", I say "a strangely socially acceptable discourse by which financial institutions shift fraud risk to consumers."
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Replying to @patio11
Eve convinced Banker Bob she was Alice. Alice didn't lose anything. Banker Bob says Alice suffered identity theft i.e. this is her problem.
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Replying to @patio11
Alice complains to Banker Bob that Banker Bob has caused Credit Reporting Charlie to blacklist her. Bob offers a year of credit monitoring.
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Replying to @patio11
I like Banker Bob and thinks he provides a valuable service, but he's big, sophisticated, and knows he's in a convenience/security tradeoff.
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Replying to @patio11
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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Replying to @patio11
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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Replying to @patio11
Alice has often done negligent things like shopping at a grocery store, handing her card to a waiter, writing a check, or having a job.
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Replying to @patio11
(There are plenty of other vectors for it, too, some where Alice bears meaningful responsibility, and some which are just maddening.)
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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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Replying to @patio11
(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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Replying to @patio11
seems area of Lobbying changing law and shift blame conversation. The inverse of developers/Entrepeneur who include issues beyond
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End of conversation
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