The identity monitoring is a component, not a complete package. It isn’t robust without the keystroke encryption also. If there is only monitoring then if the unfortunate occurrence of identity theft occurs it will be too late to do anything if some money gets stolen because you have to have the $1 million of coverage in place before a loss occurs. It can take up to 4 years on average after A breach for the losses to occur, but without a complete protection package life becomes a roll of the dice. I hate to be the one to tell you this but now that you know there is a solution for prevention (that can also reward you for sharing with others) if a breach were to happen to you, your friends or your family - that’s on you.