Identity theft...more of you exist!

Identity theft is the greatest con merchants ever pulled on the public. Turning the responsibility around from "A merchant got scammed because their KYC policy was too thin, because they make more money if they do more business with fewer verifications (until someone comes along and cheats them)" to "when they do get scammed, maybe it can be the fault of the person who was impersonated instead of the scammer" was some brilliant sleight-of-hand.

It isn't your responsibility if a bank you've never set foot in gave a bunch of money to someone who isn't you and said they were you... And it never should have been. The moment companies started trying to put that into credit ratings, they should have been barred for discriminatory practices against the unlucky.