(For my international audience: US banks broadly treat knowledge of a bank account number as a sufficient piece of information to debit it.)
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(For bonus points: we have a legacy payment method, the check, which prints that information on every specimen.)
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Included in that is "knowing SSN == it's you". Considering how many (bank, employer, etc) need to know your SSN.
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And for bonus points you treat Social Secuity numbers as secrets and use for authentication not just as an id.
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Lots of legacy systems confuse “id” and “password”. Consider: an SSN is like an ID, but often treated as a password. Crazy.
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