FIDO allows to authenticate to an identity, which ideally is securely stored in a token and cannot be cloned or stolen. This identity is only an large, arbitrar

FIDO allows to authenticate to an identity, which ideally is securely stored in a token and cannot be cloned or stolen. This identity is only an large, arbitrary number and that's all. This is not enough here. The example provided (bank account, university registration) make it clear that we're talking about authenticating against a person real, legal entity here. It's not needed in all cases, and when it's not FIDO is fine, but when it's needed in the end the root of trust in Europe is one's national state anyway.