> Presence in the DB allows for downstream fraud, even by accident.

That's like saying null columns in a particular database table must be filled in (or have the row entirely erased) because someone, somewhere, somehow, might infer the wrong thing about them, if they completely ignore all the other tables and business rules.

___

"Hello, I am Oldy McOldperson. Give me money."

"...Sorry sir, but that person would be almost 150 years old now, and that's well past our Impossibly Old threshold of 115 years. Furthermore, one our other databases says that person was reported as missing 90 years ago."

"But Oldy's--I mean, my precise confirmed date of death is still blank, therefore I'm alive, so give me money!"

"Sir, only a complete moron would believe that's how it works."