Might be old, stupid n totally internet inept. But why do any of these mobs need to save all your personal info once they have established your bona fides to set up your account????
Everyone constantly gets told to upgrade their internet security, not just hand out private information etc etc etc. Yet mobs like banks, phone companies, utilities companies store the private details of millions of people and are probably constant targets for the hackers as the value of breaking in would be in the multi millions of $
Oops we're sorry simply doesn't cut it, with all the info these bastards have stored in their files thousands upon thousands of fake identities could easily be established.