I’m over this, "we were too incompetent and failed at our job, so your personal information is in the hands of a bad entity. Sry, here’s “monitoring”.

No. How about you fucking pay me and suffer consequences instead? If you can’t afford to pay thousands to every affected individual and continue being a business, you don’t get to be a business anymore. Equifax and Change Healthcare are two companies I did not opt into using, but had to, and they both fucked up and lost all of my most sensitive information. People should be in jail and I should have thousands of dollars more in compensation. Instead, I got $7 from Equifax and offered free monitoring from CHC. Make it so it’s debilitating when sensitive information is lost, and maybe places would take security more seriously.