“After Equifax, a New Way Forward,” The Wall Street Journal, October 17, 2017 B4. How to replace the Social Security Number as the common way to identify us and authenticate our transactions to lots of organizations, both public and government.
Who decided to take the risk of using the SSN for this? Should the same people (i.e., banks) pay for the cost of their chosen course of action, or for using someone else’s information? Or your doctor/insurance company? Sure, it’s easy(ier) for the banks.
Who owns your SSN? You? The government? Did you consent to this use of your information? Did the government? If you didn’t, I guess getting a mortgage would be difficult.