Can we just pass a law or act that allows a person to discharge any debt they deem fraudulent? Like if it is known the person had their data leaked and they are signed up for something sketchy we should be able to legally and for free dispute that account/charge/service and have it stricken from our life. To prevent someone from just taking advantage of it though it should also automatically change your SSN or other personal ID number and freeze other accounts that are legit until they are paid in full. Most people would need to use this service at most once in their lifetime.