Because we are talking about it and raising awareness of it, we are slowly changing industry practices. You are benefiting from changes adopted due to what happened to previous victims. The change is far from complete.

From a personal example, about ten years ago, my tax return was rejected by the IRS. It turned out someone stole my identity which had been leaked/ breached multiple times. At that time it was trivial to file the paperwork and get the tax return sent to someone else.