> Government provided digital IDs would solve a lot of this. Over here in EU, we have something like it - you get an ID card that has two PIN codes that you ca

> Government provided digital IDs would solve a lot of this. Over here in EU, we have something like it - you get an ID card that has two PIN codes that you can use with a card reader and some software to digitally sign documents and such: https://www.eparaksts.lv/en/ https://www.eparaksts.lv/en/ (of course, there's also a mobile version) In addition, there now are services where you can log in to your bank account, confirm payments, or just log in to your government portal account with a two factor app, the account on which is based on your identity: https://www.smart-id.com/ https://www.smart-id.com/ So if I make a payment online with my card, I'll have to authenticate through either a code calculator (physical piece of hardware) or the phone app with codes that I've chosen, to confirm it. Same for logging into various sites, for example, for paying my utilities. Works pretty well and if I lose my ID card, then I can get a new one, issue new certificates for the apps and continue where I left off (with the old ones being revoked). I might need a backup phone too, though, since not being able to confirm my payments if my phone breaks is pretty stupid (though I guess Revolut/PayPal/whatever still work as expected, unless I only have my OTP codes for those on said phone).