Just like any retailer who makes and delivers a sale over the internet without physical verification the issuers of credit should be held liable. this will mean

Just like any retailer who makes and delivers a sale over the internet without physical verification the issuers of credit should be held liable. this will mean getting instant credit for purchases and such will be very difficult but that is the price the lenders need to pay for the risk of having, not the consumer. perhaps they will need to partner with local banks and such. I don't care. by default they should not be able to issue credit where the liability is on the consumer until physical verification is complete