> a face to face meeting to verify authenticity There are other ways for 2-factor/3-factor verification (physical or passcode based tokens, e-mail+voice, or e

> a face to face meeting to verify authenticity There are other ways for 2-factor/3-factor verification (physical or passcode based tokens, e-mail+voice, or even a video chat). There are other ways of safety like requiring a 2-person authorisation for large transactions - many organisations and especially charities already do that.