So you want someone to write three paragraphs for what can be said in six words? I prefer the brevity.
Either take the time to contribute meaningfully or don't comment at all.
Anything else is pollution.
In contrast to a low-effort farting of "break 'em up!" for karma. That doesn't bring anything new to the conversation.
The consequences of shutting down just Equifax are relatively mundane: lenders and other customers of Equifax take their business elsewhere, and Equifax's competitors have some motivation to be a bit better lest they suffer the same fate. The industry as a whole would get along just fine. The less realistic and more extreme hypothetical that you want to debate is irrelevant here.
My argument was in my last sentence, in response to the defense of pithy comments that millions already beat to death six months ago. I'm arguing neither for nor against the shutdown of Equifax.