Which of the following is NOT a reason why lenders have often confounded law enforcement by their reluctance to join in the efforts to combat identity threat/fraud?

a. Consumers are unconcerned and won't take steps to protect their accounts.
b. Lenders are singularly motivated by capitalism.
c. Benefits flow to them from easily available credit.
d. Lenders willingly absorb costs associated with identity theft/fraud.

Answer: a