All I'm saying is that the system we have now provides a great many benefits to people, and that we should look at how to fix it, rather than eliminate it. The CRAs are just 3 companies, out of the thousands that have had data stolen over the years, and will continue to do so forever, because it is impossible to have perfect security.
People have cars. Sometimes they get stolen. Should we eliminate cars, so that we can eliminate car theft?