Yeah, I'm saying that unironically. Depending on the transaction you're trying to make it can require a digital certificate you acquired previously in person, but it can also be human-verified in real time by checking your ID and matching it over videoconferencing.

The person checking my ID would have had to check my ID if I went to the office in person, too. Because, you kmow, they were gating my accessing my own private data. So remote human verification isn't "invasive", it's literally the same thing we would have done in person without the hassle of going to the office, which helps people who can't move around easily and during the pandemic it also kept everybody else safe.

It's fascinating how consistently the anglosphere assumes identifying yourself is an attack rather than a service. My ID has just as many protection features as my money, and that's how I want it, because my ID gates people being able to act in my name and access my records in a number of ways. Reliable, universal ID is a feature, not a bug.