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Seems like the ideal use case for a hardware-backed token to be issued to each citizen to hold a private key and use MFA (PIN) to unlock that.

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The auth systems in nordics are step down from that, but it still doesn't help if that is stolen or your spouse steals it, takes look at pin and so on. It is really hard to fight against this sort of access.

Do you not have community property in the nordics? Here if a married person signs for a loan then the couple is jointly responsible for it, no impersonation required.

Same for withdrawals. Some couples will use individual accounts as a convention but they are each entitled to drain the other’s, whether or not their name is on it.

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