moral hazard, moral obligation

Like the slap on the wrist that a social media giant received for bulldozing democracy and delivering Trump and Johnson and leaving us hobbled and handicapped absence the public trust and confidence in institutions and process to try to reclaim our government and civil society, a consumer credit-reporting agency was also given a paltry fine for its wrongdoings, compromising the data and confidence (and covering it up) of millions of Americans and people abroad. And though staking one’s claim to the class-action settlement for the amount allocated to each affected person is a bit onerous and insulting and probably the cheap alternative they are salivating over to avoid consequential punishment in the future, should you want these giant financial institutions to aspire to be better custodians of our data in the future, you ought to take the time and file your claim. It’s worth $125 at minimum to you (this is your entitlement for being put at risk for identity theft), more if you can demonstrate hardship encountered above and beyond that—and it’s just regurgitating back to the creditors the personal details on you they already have and then carelessly lost.