> recovery can be performed by providing a government credential remotely

That only works because you presumably do KYC when you open accounts, so you have an identity to match to. Most internet accounts don't do real KYC, so a government credential doesn't really work for recovery --- they didn't know who you were, so proving who you are doesn't help anything.

That doesn't mean that letting anyone sweet talk support or an AI into taking over an account is acceptable, of course.

It's a fair point, and can be solved for as part of the "Verified" offerings Meta offers. This binds IRL identity to the digital identity at verification for future identity assurance step up (including if and when recovery is required). Failing that, TOTP, SMS, and even mailing an OTP to a mailing address remain low friction auth factors (with, of course, various levels of security).

My point is that while this is not easy, there are obvious very bad ways to implement this that should not be done (chatbot or other generative AI interface vulnerable to the usual suspects of AI inherent attack surface). Don't build the bad way, the right away is known and straightforward.