I don't like to be this positive, but I genuinely think E-Trade is doing something very good here. I think they've been targeted to a degree because they've made it easy for people to open brokerage accounts, but they're not conservative. They really are innovative in security.
In the past, everything was much more traceable. Now you can open 10,000 (bogus) accounts in the time it used to take to open one, all in a faceless Internet.