Here’s my dream plan, which would take 5 years and probably less than $5B:
* We replace Social Secutity Numbers (which are like having a username with no password!) with disposable, single-use IDs of similar format, perhaps by adding letters so we have enough identifiers
* People could get a new number anytime from the Social Security Admin website or app, by calling a number, or by going to a post office
* Credit scores and credit info brokers are required to only have info you choose to share