Outside the US, it is a norm to have government sponsored hard online verification with two-factor authentication. Examples include Estonian eResidency, online

Outside the US, it is a norm to have government sponsored hard online verification with two-factor authentication. Examples include Estonian eResidency, online bank verification in Nordics and infamous Aadhaar in India. Though this gives government more power, it makes simple online identity fraud, like tax refund schemes, impossible.