And this is a function of power asymmetry. Why is it my problem that a bank issued a credit card to some guy in Romania or Russia who said they were me? It should be their problem unless they can prove it was me who opened the account. But they make it my problem through the enormous power they wield over our ability to participate in society.

If they come looking for the money I supposedly owe them on that account, I should be able to tell them to fuck off and collect from whoever they sent the card to of their own volition.

If they can't figure out whose business they took, maybe they need to reconsider their practices, otherwise they're just giving away money.