That's not a good analogy. If those people believe the fraudster and give them something.. I'm not liable for whatever they gave that person. You're leaving out the most important part. Avoiding != Requiring something.

I think I was focusing on the fact that identity fraud ruins your credit score, so you can’t get loans and the such for yourself.

To me that was akin to being ostracized because your reputation was ruined by an impersonation.

But most victims of identity theft don't have to repay the loans. They just have ruined credit scores. So I think it's an excellent analogy