I agree with you. Switching to another id system will mean we use that instead of SSN and have the same potential issues. I think the biggest problem here is our approach to credit and credit fraud. We need mandatory CC2 online, mandatory 2FA (not SMS!), chip and PIN, our credit should be frozen by default with out of band approval for new credit and credit granted without approval is the lender's responsibility. Steps like these would remove most of our exposure to credit fraud.