While it is true your liabilty is limited to $50, that has almost no relevence on what could likely happen over the next 12 mon ths. People who make that statement have not been through the ringer. I know, as I used to make that statement before it happened to me!
I had identy theft and spent scores of hours cleaning up the mess. I wish I had trakced the hours just so I would know. And no one reimburses you for the week of your life that is pissed away cleaning up the mess left by a criminal. I don't know about you, but a full week of my life that is totally wasted is worth more than $50 to me! It lasted for at least 10 months, and I am still not 100% sure everything is cleared up. The moeny lost is the least of your worries. Getting calls from collectors 9 months from now will make you want to hop a plne to Nigeria and choke the guy who stole your info.
