Tech on Lockdown

In 2025, consumers face a deepening dilemma: how much personal information they must surrender in order to simply participate in the digital economy—and how much risk of fraud, surveillance, and exploitation comes with it. The modern internet is locked down, not just by corporate firewalls, but by an endless cycle of demands for identification and the rising threat of scams.

The trade-off is stark. On one side, companies require increasingly invasive personal data for access to basic services. Signing up for a financial aid platform, an online class, or even a subscription news site often involves revealing Social Security numbers, bank accounts, or biometric data. Meanwhile, universities, retailers, and fintech companies justify these demands as “verification” or “compliance.” Consumers are told that without surrendering their information, they cannot belong.

On the other side, scammers are thriving. From phishing emails that mimic official communications to sophisticated AI-generated calls that sound like family members in distress, fraud is no longer just the realm of obvious spam. The same technology that enables secure payments and online enrollment also fuels deepfake schemes, identity theft, and financial ruin.

Caught in this digital chokehold, working-class families often pay the highest price. The poorest are more likely to rely on insecure devices, public Wi-Fi, or predatory fintech platforms. They are also more likely to be blamed when fraud occurs, accused of “carelessness” when in reality the system forces them into unsafe digital practices. Meanwhile, the wealthy and elite universities insulate themselves with private cybersecurity teams, exclusive networks, and legal firepower.

Higher education illustrates this divide vividly. Students applying for loans or grants must disclose enormous amounts of personal data—only to find themselves targets of phishing schemes or, worse, data breaches at the very institutions they trusted. The recent wave of ransomware attacks against universities, along with the growth of “robocolleges” that automate student services with minimal oversight, shows how fragile the system has become. The illusion of safety masks a reality of vulnerability.

The underlying problem is structural. Data has become currency, and consumers are forced to spend it in order to function. Yet once surrendered, it cannot be taken back. Every digital form filled out, every student portal login, every financial aid verification increases the exposure to fraud. The system tells us to “trust” while offering few protections when trust is violated.

“Tech on lockdown” means more than clamping down on personal devices. It means a society where access is conditioned on surrender, and where surveillance and scams thrive in tandem. Consumers must navigate between giving up their privacy or risking being locked out, between handing over sensitive information or falling prey to those who exploit it.

What Consumers Can Do

While systemic change is essential, there are some basic protective strategies individuals can adopt:

• Use multi-factor authentication wherever possible, especially on student loan and financial accounts.

• Limit use of public Wi-Fi for sensitive transactions.

• Monitor credit reports and financial statements regularly.

• Be skeptical of unsolicited emails, texts, or calls—even those that appear to come from trusted institutions.

• When possible, push institutions (including colleges) to explain why they require specific personal data and how they will protect it.

These measures won’t fix the structural issues, but they can provide some insulation while policymakers, regulators, and institutions continue to fall behind in addressing this growing dilemma.

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Sources

• Federal Trade Commission (FTC). Consumer Sentinel Network Data Book 2024.

• Federal Bureau of Investigation (FBI). Internet Crime Report 2024.

• EDUCAUSE. Cybersecurity and Privacy in Higher Education, 2024.

• The Higher Education Inquirer. “Robocolleges: Higher Education’s Automation Experiment.” (2024)

• Identity Theft Resource Center. 2024 Annual Data Breach Report.