I'm not american, but the idea that your SSN, which is effectively a (federal) unique identifier for a person, would be secret, is very foreign.
In most countries, like most databases, our primary keys do not hold an expectation of secrecy.
I would even argue that the expectation of secrecy is what creates it's secret semantics, that is, it's secret because you make it secret. I get that it's a collective action thing, if you just publish your own SSN, a bank in another state might not be aware it's a public thing for YOU, and might open an account for a stranger.
Interestingly enough, for corporations, their identifiers, EIN, are not assumed to be private, in many states these are available through the DoS public records. So it turns out the system works just fine if you make the ID of a person (juristic or legal) public.
My original SSN card has "not valid for identification" printed on it. Originally, it was supposed to only be used for filing taxes. The first 3 digits identified the state you applied in, the second 2 digits identified the office (in that state) and 2 of the last 4 digits identified the filing cabinet.
Over the years, it ended up becoming the de facto federal identity number. It has no check digits, so you can make up any you want (I used to use a phone number of a major customer - only dropping 1 digit). I was a rebel/jerk/butthead back then. Now I just yell at clouds.
Long ago, I worked at a place that handled electronic prescriptions, lab results and insurance claims. There were huge numbers of incorrect SSNs which meant there were huge numbers of duplicates. Someone transposed 2 digits? Yep. Someone remembered their number incorrectly? Sure. Someone made one up? Like from a phone number? Oh noes! Before 911, trying to match someone with faulty ID numbers and messed up names was called "patient matching" and after 911 all the academics doing research into this stuff disappeared into large defense contractors or 3-letter-agencies trying to find more terrorists/bad guys.
For a good start in this area of research, I recommend this dissertation:
> Adaptive detection of approximately duplicate database records and the database integration approach to information discovery
> AE Monge - 1997
https://scholar.google.com/citations?view_op=view_citation&h...
> The most misused SSN of all time was [see link]. In 1938, wallet manufacturer the E. H. Ferree company in Lockport, New York decided to promote its product by showing how a Social Security card would fit into its wallets. A sample card, used for display purposes, was inserted in each wallet. Company Vice President and Treasurer Douglas Patterson thought it would be a clever idea to use the actual SSN of his secretary, Mrs. Hilda Schrader Whitcher.
> The wallet was sold by Woolworth stores and other department stores all over the country. Even though the card was only half the size of a real card, was printed all in red, and had the word "specimen" written across the face, many purchasers of the wallet adopted the SSN as their own. In the peak year of 1943, 5,755 people were using Hilda's number.
https://www.ssa.gov/history/ssn/misused.html
Most state agencies redact the SSN from public records. I want to say that they all do, but I work for a state and I see too many in all the wrong places.
So what prevents people applying for loans or doing identity theft, in other countries?