It’s also not unreasonable to expect that an entity you want to take assets out of will, to the first order of approximatiom, be incentivized to make any proces

It’s also not unreasonable to expect that an entity you want to take assets out of will, to the first order of approximatiom, be incentivized to make any process involved in that as protracted and difficult to navigate as possible. (This is also, I expect, why the asset transfer process described in TFA is initiated from the receiving side, why mobile number portability is requested via your new mobile network, etc.) So if the recipient doesn’t want to take on the verification burden because they just met you, falling back to a third party rather than the sender makes sense.