The frontier labs have competing goals in mind. They want high growth (which means little friction for account creation), API access (because enterprise money is the best money to have), and distillation protection.

Besides, identity verification that actually works at scale is a much harder problem than identity verification which is good enough to satisfy your compliance people and regulators. Especially if the fraudsters have a major world government standing behind them, and if their aim is to be identified as a real customer, not one customer in particular.