I agree. With banks, if you need to prove identity remotely, you need to get a medallion signature and a notary. Takes time and money. I assume that web busines

I agree. With banks, if you need to prove identity remotely, you need to get a medallion signature and a notary. Takes time and money. I assume that web businesses would be happy to have to do that in return for robust security not easily broke via social engineering. I think it would even be a competitive advantage. If you want cheap and easy (and insecure) then you can use a competitors offering.