I do agree with everything you have said, however, I believe that investing in identity theft protection on a personal and professional level is vital. My family and I are protected with SOLUS Identity Theft Protection. I did tons of research on all of the major companies on the market that sells identity theft protection. Dollar for dollar I believe that SOLUS far surpasses its competition. SOLUS includes everything from 24/7 credit monitoring to full service restoration-which they do all of the work on your behalf, rather than just assisting you. You can check them out for yourself at www.solusid.com Oh, and when you call them, you actually talk to a live person each and every time, which I find awesome!