text:  You know, I hate to see people waste money, but that's what happens when you buy these one-off credit or home title monitoring plans. Look, ID theft is a huge problem and an absolute nightmare to dig your way out of. It's likely that all of us will be affected at some point, but not knowing when or how is the real concern. So buying a plan that only protects you against one type of risk, that's just a ripoff.