[bryanrasmussen]

>(less incentives and less capability to screw you over, and they live near you).

Most services do not have the direct and easy to apply capability to physically harm you or your family.

[ClumsyPilot]

They do, someone got a loan in my friends name and racked up debt, and they probably got his data from a data leak - ofcourse its impossible to prove.

[bryanrasmussen]

the words physically is generally not considered synonymous with financially.