I'm getting the cash. 10 years of credit monitoring is worthless, same with their insurance. It won't prevent identity or credit card theft. And their reaction time is piss poor, you'd get a notice 1-3 months later of someone opens new account in your name, and by that time crook will probably charge thousands. Credit freeze is the only option and they don't offer that. Discover bank offers credit monitoring for free to anyone: https://csp.discover.com/free-credit-score/index.html
Who doesn't offer Credit Freeze? All three of the credit agencies offer credit freezes now - for free. It was a law passed a shortish while ago.
I managed to freeze Experian and Equifax 2 years ago.. but had issue getting into Transunion... well, in that time, it's become free and all three have made it much easier (though still not brain dead easy) to freeze unfreeze your credit). As of this morning I have all three frozen.
What I meant was they didn't list that as an option in settlement, instead they offered some useless services. If you don't know about credit freeze in first place, you won't get it. And even if you do, you have to do all the work, and you have to contact all 4 credit bureaus.
You're absolutely right - and as Scott will undoubtly say/agree with - of course they won't do that, that is counter to their business, against their shareholders, etc.
This is exactly what the original Surface was. A Windows only piece of hardware. ARM based, Secure Boot locked Windows only computer. I have no problem with that, while not blatantly obvious, anyone reading the specs would realize this.