It's more sinister than that. Dan is going to get caught because his typing frequency, style and mouse movements are unique in the whole world. Moreover, he usually works on a computer with unique hardware that can be fingerprinted by some silly W3C standards already. Camera would be a bonus "just to be sure". We will soon need typing/movements randomizers that would add tiny delays/perturbations to our typing/mouse movement to fool some advanced Deep Learning pattern extractor. Using those would place Dan on some "no loan" blacklist though.