Just like bikeshedding and risk perception decreasing near sources of catastrophic risk, never discount the powers of rationalization and cognitive dissonance.
Ultimately a major cause is that America doesn't have a national ID, PKI or 2FA systems. And, as such, there is the de-facto, cargo-cult tradition of ultimate reliance on inadequate systems designed for retirement pensions and drivers' licenses. People must give up the "states rights," delusions of privacy and other similar fallacies already and demand proper authenticated and authorized identity, banking and credit systems that require positive, possibly-interactive authorization to use details or complete transactions. Such tokens/documents could be physically enrolled/administered just like passports at USPS.
Ultimately a major cause is that America doesn't have a national ID, PKI or 2FA systems. And, as such, there is the de-facto, cargo-cult tradition of ultimate reliance on inadequate systems designed for retirement pensions and drivers' licenses. People must give up the "states rights," delusions of privacy and other similar fallacies already and demand proper authenticated and authorized identity, banking and credit systems that require positive, possibly-interactive authorization to use details or complete transactions. Such tokens/documents could be physically enrolled/administered just like passports at USPS.