I manage customer identity and access management ("CIAM") for a financial services firm. Passkeys are primary, recovery can be performed by providing a government credential remotely (which costs us ~$2-3 per recovery). I do not think it is hard, based on what we have built and spent to enable these capabilities. NIST Special Publication NIST SP 800-63 Digital Identity Guidelines is a helpful resource on this topic.
https://pages.nist.gov/800-63-4/
I think Meta just does not care if they're enabling AI attack surface and vulnerabilities into these customer journeys. It's...certainly a choice, versus deterministic journeys with hard guardrails. They could make different choices.
I’d wager your range of tech literacy/capabilities for your firm is much narrower than big tech.
> recovery can be performed by providing a government credential remotely
That only works because you presumably do KYC when you open accounts, so you have an identity to match to. Most internet accounts don't do real KYC, so a government credential doesn't really work for recovery --- they didn't know who you were, so proving who you are doesn't help anything.
That doesn't mean that letting anyone sweet talk support or an AI into taking over an account is acceptable, of course.