All of your solutions are currently possible on the blockchain. >The creation of a standardized & subsidized token/OTP platform. In the US for example, you sho

All of your solutions are currently possible on the blockchain. >The creation of a standardized & subsidized token/OTP platform. In the US for example, you should be able to go to the post office and get a NIST approved token generator, which should be mandated to be used by all banks and replace SMS and SSN as authentication. DeID >A pseudonimity middle-layer (ie, Stripe for Privacy). For example, when I buy a t-shirt online, I should be able to simply give the merchant my pseudonym, and they shouldn't store my actual name & address. If they want to store that there should be much much higher data protection requirements. Deid, paired with the fact that i don't give them anything. I send them the money instead of giving away my information. This is a key distinction. When i pay for things with my credit card, I am swiping my card, they are saving my information and running my card. Sending them money, with some DeID to acknowledge receipt is entirely different. Instead of them 'Taking', I am 'Giving'. Also, the Deid can come with a parsing function that 'Shares' the keys to your address and name, without the ability to capture your information. It works directly with the EDI to provide the 'keys' to your address but never allows them to store it. >This infrastructure should be free market but with a "public option" in order to prevent oligopolization of these services. Polkadot and many other cryptos with governance is also solving this problem.