[pmiller2]

Bullshit.

I had a fraudulent charge on my bank account via a “demand draft” (essentially a check without my signature). Yes, I had to spend significant time resolving the issue: going to the bank, having them insist they needed to close my account and reopen a new one, plus changing all my ACH drafts. But, I was very angry with the bank, because their proposed solution caused me hassle and doesn’t protect me from whatever attack vector compromised my account. They would not let me have them refuse to honor such instruments without prior authorization, either.

And, this was over a $40 charge. Had it been $4000, I wouldn’t have been any less angry with them for failing to protect me.

[tolmasky]

I think there might have been some sort of misunderstanding in my post. I’m explaining a phenomenon I see: people aren’t generally angry with their bank over identity fraud, and that makes holding them accountable difficult. I don’t disagree they share much of the blame, just trying to point out how non-HN people see things. While you may very well be pissed with your bank, I think the general response to your story is “relief” at getting the money back and “anger” at the criminal. Again, I am not implying this is who they should be angry at, just who I see them get angry at. So, step one is convincing others to have the same response as you if the goal is to hold them responsible.