I’m skeptical the market is ever going to have principles, for every person that has gotten burned and become personally aware of shady practices, there are many more that aren’t aware and don’t have the incentive or ability to do research to find out. Seems like the sort of thing where the system is rigged in favor of scammers if consumer choice is the only regulation.

(if your id is stolen and you arduously go about getting a new one)

I thought I had lost mine once and got a new SSN card, they don’t give you a new number, it’s the same number