there are 0 "perfect" age verification systems.
plenty of minors can have their brother/sister/parents supply their id, or do the verification video. the on-device verification discord rolled out was, within hours, broken. i remember news reports of kids submitting photos of their dogs and being verified as of-age.
credit card solves most of the problem with much less downside than submitting my face (i am already okay putting my card info into most sites)
However, I still think credit cards are overkill. They reveal way too much information, including addresses. I wouldn't trust most companies with my credit card either, at least not online. In person it's different, the scanners are secure especially if you use tap to pay. But online, you just have a pinky promise that your info isn't being stored.
Frankly, I'm getting sick and tired of being put in the situation where I have no choice but to just blindly trust people to do the right thing. Obviously, it's not working, and we need real solutions.