[jonahx]

> A determined identity thief might go that far.

This is the old "because a solution is not 100% effective, it's not good" chestnut. This solution would cut down on the theft by over 90%, I'd venture, probably more like 98%. There is huge difference between perpetrating a crime from the safety of a computer and physically walking into a bank to commit it.

[mycall]

$16 billion was stolen from 15.4 million U.S. consumers in 2016, compared with $15.3 billion and 13.1 million victims a year earlier. In the past six years identity thieves have stolen over $107 billion.

http://www.iii.org/fact-statistic/identity-theft-and-cybercr...