reCAPTCHA is already so hard that I often can't solve the visual challenges, and Google has been blocking the audio challenges on VPNs (that is horrible for blind people) and also now the audio challenges are super hard.

Google Gemini can solve them and I don't think that it will take long for lower power AI systems to be able to solve them.

I will be unable to solve the phone verification because I use LineageOS for microG, but any fraudster can just buy a bunch of $30 android phones. Many people have trouble using a smartphone, so they use dumbphones, but they will be locked out. Many people just don't have any mobile phone because they don't think that it is useful.