When financial institutions in the USA are not even adding basic things like... approve transaction on phone, keeping most things pull based based on knowing a few magic numbers vs. push based and other really basic things, this really doesn't hold water. Things being anon doesn't even register in the day to day of what is bad with the internet, vast majority of it is from very non-anonymous sources, influencers, apps or institutions.

In many other countries, these are enforced by central bank, bank association or legislations.

In USA, small business, small bank and credit unit are often used as excuse to push back these kind of rules.