Where I live, anyone who has access to my ID can take a loan in my name... Hard to believe, but there are some people who are paying loans they have not taken..
I do wonder if that could happen where I live. Regardless, it is hard to stay in hotels without them copying passports, a local law. Happened to me last month in both Switzerland and Italy. And in one I saw them them leaving piles of passport copies on a table for anybody to pilfer.