No, it’s a hell of a lot more common than that. My daughter worked at a bank during tax season, investigating tax refund loans. She says it’s so easy to do & so prevalent that she very carefully monitors all of her financial account very frequently.
Like most things, LifeLock may be oversold in a sense, but it does provide a service that for some is reasonable. Not everyone wants to be concerned with doing the fraud alert renewals regularly. And they will provide useful assistance in dealing with a theft incident. For some people it is worth $10 a month to have that done for them.
If you buy a service that doesn’t deliver, is it still a service?? I don’t think so.....