The government gives plenty of help to banks. I don't think their role here is unreasonable. The solution is to tighten/enforce regulations around bank accounts & make the penalties mean something. Two wrongs don't make a right. If you see something, say something. If you think telecoms are doing something wrong, write to the FCC. Bring up SIM hijacking for me. If you think toll road owners are doing something wrong, bring it up with them and maybe the FHWA.