I've seen this design before and the reasoning is that your physical signature is needed per policy (at least in the areas of US law I've worked in). We can on

I've seen this design before and the reasoning is that your physical signature is needed per policy (at least in the areas of US law I've worked in). We can only replace a physical signature with a two-factor authentication, and you can imagine the nightmare that is to set up in a way that is any bit usable to the general public.