> they accept money and direct deposit still with no KYC. But to get the money out? Oh no! We need a picture of your face!

Unauthorized deposits aren't nearly as much of a concern as unauthorized withdrawals, right? I'd imagine that there are far fewer malicious actors that try to deposit money into random bank accounts than there are ones that try to withdraw money from random bank accounts.

> And there’s no option for going in person.

Won't an in-person bank also take pictures of you via security cameras? I don't really understand your objection here, could you elaborate?