These types of services almost seem squarely in the space of what governments should/could do with intelligent leadership.
It is probably not too late for a state-driven type of service layer like this from some rationally led government somewhere in the world.
It has nothing to do with intelligent leadership, but departments founded to prevent such things from happening are not doing their jobs. Basically civil servants prefer to not rock the boat and sail through to retirement.
> not too late for a state-driven type of service layer like this
We call it the postal service.