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If Google and Apple started collecting government identification documents for everyone ahead of time it'd be pretty trivial too...

Right now sometimes after the problem occurs you can provide those, but it's tough because they don't have those sitting around for every account.

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Also fraud in this case is often being considered a bad actor yourself, most people haven't dealt with that from a bank.

That's like the bank thinking the transactions you would admit to having made being fraudulent, so identifying you isn't really enough.



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