$3 payout? You're being generous, last time there was a major breach, I believe Equifax gifted the victims a year of "free subscription" for their service.

Accountability is nonexistent in our industry.

The CRAs compete for the opportunity to offer "a year free credit protection" (that a breached company pays for), because to get it, you usually have to provide a credit card and subscribe to the highest tier. You get your free year and then they turn you into a paying member unless you remember to cancel.