[wmf]

I think the existence of KBA is kind of an anti-pattern compared to Estonia-style identity. If we respected our privacy and never let data brokers collect all that information in the first place then KBA would never have been invented.

[nugget]

I did find it odd that the dealership couldn't accept my state-issued ID for ID validation. Maybe there's some regulatory capture at work there. Even if state-issued ID docs were accepted, that would solve for KYC but not for credit scoring.