Re: USA system issue?
"I can't work out if the UK system is more secure or too cumbersome for the fraud to be effective."
You decide. Here's how I do my self assessment, which takes around 30 mins, most of which is spent on the first three stages:
* Google various keywords and click on random .gov.uk links until the portal magically appears out of the haze (it is over https)
* Look up username/password that only a database could possibly remember - the uid looks like a MD5 hash. The password policy is stricter than any you (probably) have ever seen.
* Mistype uid/password until I accidentally gain access
* Type in details off P60 etc
* Wait for the IncomeTax-O-Generator to access /dev/random and calculate the damage
* Pay tax via a third party site
To be fair to them it is getting a little easier each year. In the near future SA will become a self calculating,direct from bank n payroll affair. What could possibly go wrong with that?