Not if you require physical presence. If you have to turn up in person at a local branch office with identifying documents, then you've greatly limited opportunities for scams. Fraud is still possible but it doesn't scale.
That sounds vastly more costly since they'd have to open local branch offices everywhere.
This is why banks have physical locations with live tellers. And also why I'll never open an account with a regulations-dodging "disruptor" banks where everything must be done through the app.
You are suggesting that companies be legally required to staff a "Complaint Bureau" where low-level employees must face, in person, the most disgruntled and potentially unstable 1% of the internet. This can only end well.