[foxglacier]

Tech people forget how the real world has solved these problems long ago. I got access to my bank account in another country by writing them a letter on paper and having it signed by a policeman in my country then sending it in the mail. A pain and expensive but if it's important, you do it. All these old fashioned techniques are backed by the criminal justice system which can actually work when the fraudsters have to go to the police station to commit their crime.