Comment by jamesrr39

Just knowing the personal number is not enough to do much with. To get access to services, verify who you are on when talking to companies there is a verification step, most commonly with the BankID app.

Visual example: https://images.ctfassets.net/b2dmfxhmyqno/1cD0YDHjd9DGZnWfjH...

Identity theft and spam still happens, just not through knowing the personal number.