1. Your old credit card solution needs a credit card. So you exclude out the poor, bad credit, etc.

2. Parents will help kids bypass checks like that.

3. It can be bypassed by a half-smart 13-year-old who can access an app on a phone that will give them the card details and be able to see transactions.

Any verification that doesn't actually verify you via proper means is easy to fake. Hell, we can fake passport/id photos easy enough so now we have to jump on calls with the passport and move it around.

The days of the wild west of the internet are long gone. It's time to realise that it's so important that it deserves the same level of verification we give to in person activities. Someone seeing you and/or your id. It's the only thing that has the best chances of not being bypassed with ease.