Saying #1 and #2 are not possible or not likely is not a good take, in a world where our digital accounts take more and more a central place in our daily lives. It may work for autocratic societies, it won't cut it for democratic ones: imagine if our legal systems were that irresponsible to us collectively and individually?

Why not introduce friction on both sides, like: 1/ just face to face, physical meeting? 2/ or a basic (paid, yet reasonable) insurance that account management doesn't happen over the shoulder?