> offer them two free years of credit monitoring. Victims aren't going to really use that because it's essentially useless

It's generally actively harmful, and the CRAs fight for this business from breaches because universally, to accept the free credit monitoring you have to sign up for their highest tier credit monitoring package (which can be up to $50/month), supply a credit card, and then hope to remember, a year later, to cancel at the end of the free period, because at that point they'll convert you to a paying customer.