[unclesams-uncle]

The Belgians have this tool called "itsme" which acts as authentication manager/digital signature tool with authorized partners.

After validating your ID, you can use the app to do 2FA with most major services in the country, including almost every bank and financial institution.

https://www.itsme.be/en/

A program like this could go a long way in the US to help cut down on the issue you describe.

[amitparikh]

Thanks. Another example is the Dutch DigID: https://www.digid.nl/en/about-digid/

[scient]

You should look into Estonian ID card program. Its exactly what should be done.