I think there might have been some sort of misunderstanding in my post. I’m explaining a phenomenon I see: people aren’t generally angry with their bank over identity fraud, and that makes holding them accountable difficult. I don’t disagree they share much of the blame, just trying to point out how non-HN people see things. While you may very well be pissed with your bank, I think the general response to your story is “relief” at getting the money back and “anger” at the criminal. Again, I am not implying this is who they should be angry at, just who I see them get angry at. So, step one is convincing others to have the same response as you if the goal is to hold them responsible.