<prompt> Human: I recently became a Costco member. While browsing the services they offered, I came across this Costco Identity Theft protection service At 8.99month does it make sense to purchase it?  <response>: Not really, unless you have specific concerns about your identity being stolen for example, you know some individuals that you dont trust have access to your SSN, or you engage in risky transactions that may have a high likelihood of identity theft.The monitoring service doesnt really do anything you cant do yourself with a free website like CreditKarma, and while 1M in identity theft insurance is nice, few people ever end up liable for charges made by identity thieves and usually this is at least partially due to lack of diligence on their end. 