If I needed to, I could physically walk to my bank and they would unlock my bank account on the spot. That also seems like an excellent protection against peopl

If I needed to, I could physically walk to my bank and they would unlock my bank account on the spot. That also seems like an excellent protection against people getting their account hacked from overseas. No Indian call center is going to show up in person inside the US to recover your account, so those people that do show up have a high likelihood of being the correct person. Google could also require people to show their ID card and sign a copy of it so that if an account is maliciously reset this way, the original account owner can subpoena them to get the ID card copy that the scammer used. It's not rocket science. All banks can do it. It's just a tiny bit more expensive than saying "fuck you" to 0.1% of your customers.