>The implication that the solution to this is to somehow convince your direct competitors to do inferior in-person KYC for you is the most ridiculous thing.

People work with their competitors all the time (see Netfix vs Amazon). Whats ridiculuous is the claim that a scammer would prefer to show up physically at a bank and risk being exposed instead of operating remotely.

>leaking a selfie is pretty low down on the list of “bad stuff a bank could leak”.

don't some of them require a selfie while holding legible official documentation?