Another example that I think captures the spirit of autoexec’s point is credit fraud.
Are you the one taking out credit cards and potentially tanking your credit score? No.
Does it still negatively impact your life? Yes, because the information landlords/banks receive from credit unions only shows the low credit score.
Do the banks/landlords care about the fact that it’s fraud? No.
It’s ultimately YOU who has to do all the leg work to report the fraud, make sure that your credit history is fixed, and that your credit is frozen as a deterrent to for future fraud issues.
Are you the one taking out credit cards and potentially tanking your credit score? No.
Does it still negatively impact your life? Yes, because the information landlords/banks receive from credit unions only shows the low credit score.
Do the banks/landlords care about the fact that it’s fraud? No.
It’s ultimately YOU who has to do all the leg work to report the fraud, make sure that your credit history is fixed, and that your credit is frozen as a deterrent to for future fraud issues.