Agree but a significant part of the puzzle. It's hard to impossible to completely take over someone's identity if that person cant give your access to social security number.. This would be employment as well as some types of employment if not all.That keeps people from applying for credit on your behalf (which is good) but doesn't stop people from using your SSN for health insurance fraud, or Experien from selling your information / credit standing to other entities like insurance companies or any company trying to identify your likely net worth.
I had to unlock my credit for homeowners insurance recently and maybe car too. Not sure about health insurance but even if fraud is committed, that is fraud by another party, as much as maybe a PITA I dont think common without full access to your credit file.
Keep in mind fraudsters easily access credit reports with 80% of the population because I think that is the number that dont bother locking their credit. So why even bother with me? When fraud in my name is committed it has to be proven it was me and I THINK that is unlikely, more involving agencies that did not require a credit review via access to my SS file...