Equifax blew it, though theirs is hardly the first hack. Personal data isn’t safe, and that should make us skeptical of centralized databases of personal information regardless of who collects it. Indeed, the entire system of using social security numbers of personal identifiers has been broken.
We’re stuck dealing with the consequences, and while the average consumer maybe should get a credit freeze I’m not going to, it’s a pain and slows down the credit origination process and not all issuers will follow up manually to get permission to access your credit.