Pardon the naive question, but could verification not be accomplished by requiring to tie a form of payment to an account? Eg, a CC or equivalent? Outsource the

Pardon the naive question, but could verification not be accomplished by requiring to tie a form of payment to an account? Eg, a CC or equivalent? Outsource the identity validation to other institutions (eg banks), and benefit from their deep investment into identity verification. Would that not work?