[jariel]

Neither of the points you made I think are existentially problematic, especially in light of the fact that Sweden is 1) ahead and 2) it works for them.

'Cost' is going to be a part of the equation, there is no avoiding that, but access can be regulated, as can oversight (i.e. transparency) with respect to transactions.

And: "merchant or service isn’t allowed to blame BankID for any problems such as downtime or any other technical problems"

Will Swiss private individuals or businesses be able to 'sue' the Swiss government for downtime? Like late trains? Invariably not. They'll just get the service they get and that's it.

Sweden provides a pragmatic demonstrable example of what can work, it shouldn't be dismissed.