I did probably not formulate myself good enough. By calling it ID theft you are blaming the person the ID belongs to and that person have to prove they are innocent. By calling it by the correct words, bank fraud, the bank have to prove that the person the ID belongs to did it. No ID was stolen, it was only used by someone else to commit fraud. The banks don't have enough security to stop it because they have gotten away with calling it ID theft and putting the blame on the person the ID belongs to