Those can be wrong though. I've been locked out of accounts because they said I incorrectly answered questions about myself (as if they know better than me) an

Those can be wrong though. I've been locked out of accounts because they said I incorrectly answered questions about myself (as if they know better than me) and it took weeks and multiple hand-written letters and a physical trip to an office to get it fixed. The assumption that you have, that the system "just works" is awful. Because when it turns out the system actually doesn't work, it's a fucking clusterfuck just to get someone to listen to you because they don't believe you are who you say you are, and government issued ID is apparently insufficient. And the government seems to think I am the same person as my deceased father and grandfather because we share a name, and holy fuck is it frustrating come tax season (I have never in my life had my taxes accepted the first try and have had to physically visit the IRS before) or any time anybody tries to do any sort of background check on me.