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nobody is held liable when breaches occur and your PII gets stolen for the fifth time in a single year.

And then we read the inevitable report that it was a third-party managed system that was 6 months behind in patches that got popped. Or it was a risk assessment result that they said "they would get to that eventually" and never did.

You start throwing executives in cuffs for failing to do their duty and sure as shit things would start changing.