The USA is classified a consumer economy, and is run by extending credit lines. This means that birth dates, social security numbers, and address changes are kept on national file, and all your transactions recorded in it. But your social security number, birth date, and address is also there in the files of every tax preparation service, both in the US and in China. Plus there are a million services all over the US that do this and so leaks are everywhere. How does this system work? Your social security number and birth date / address are traded worldwide and X number of people use it to get credit extensions with it simultaneously, daily. How is it decided who pays the finance charges for those credit extensions? How is it decided which version of you should pay how much? I don't understand any of this. How does this consumer society work?