If someone stole your idea, did you lose something tangible? Also, crimes generally consider cause and effect, including indirect effects if they're foreseeable. Is having to expend time, energy, and perhaps resources to protect the usage of information institutions use to identify you an unexpected side effect? Is it worth nothing?

Pretending the catalyst isn't culpable in the indirect effects of identity theft is every bit as wilfully obtuse as pretending the institutions aren't.