KYC ultimately requires infinite invasiveness. Each time there is a leak that amount of data is no longer sufficient to accurately KYC you. Add another bit of KYC data and repeat forever until every possible detail about every person is public.

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With the way AI is progressing even some biometric identifying methods aren't going to be valid like voice or visual verification. How soon before we need to give a little blood every time we log in so they can scan our DNA?

Biometrics are user IDs, not passwords.

They can be both? Charles Schwab allowed you to verify your identity by voice and get access to your account when calling customer service for awhile, but thankfully got rid of it.