[handoflixue]

An empty account and an account with a year of history have very different weights in this - most people already have an account tied to their legal name, paid for with a credit card in that same legal name. Throw in some geo-location, browser fingerprinting, etc. to disambiguate the surprisingly rare case of two customers with the exact same name.

For a paid product, it's really not that hard to already have a fairly solid idea of what's going on - this just ensures that a responsible adult has gone through a clear process of signing off on the identity for this specific service, rather than a kid with their parent's credit card.