> To be fair, I don't think humans have any way of verifying that you're trustworthy. Anyone can send email from your email address. Anyone can fake a driver's

> To be fair, I don't think humans have any way of verifying that you're trustworthy. Anyone can send email from your email address. Anyone can fake a driver's license. Anyone can get a phone number that meets their criteria. Knowing who someone is on the Internet is nearly impossible. Knowing whether or not to trust someone once you know who they are is nearly impossible. American banks seem to have no issue with this.