The government is the final arbiter in a bunch of cases you care about. Whether you are (for example) a US citizen is not a decision for T-Mobile, or Amazon, or Walmart, or Delta, that's up to the US governmentâ€
The government (and not private corporations) tracks births, deaths, immigration, emigration, and of course it chooses to issue identity paperwork.
In general the closest commercial entities like banks can do is identity matching. So e.g. maybe Bank A asks you "Hey, do you have, like, a mortgage? Who with?" and you pick Bank X from the list of six options and OK, either that's a lucky guess or you know that "you" have a mortgage with Bank X.
This is pretty poor, it's something, but it's not very much, it's up there with Facebook's "Here are some pictures of people, which of them is your friend?" which of course falls down when either: You "friend" people you don't actually know and wouldn't recognise; or your "friends" don't like Facebook having accurate photo data and intentionally mislabel random other people or things with their name...
And as with the Facebook thing it breaks in surprising and hard to reproduce/ demonstrate ways. Maybe you think of this as your Big Bank mortgage, but if you check the small print it's actually a Different Bank mortgage, that Big Bank are re-branding, and so you just picked wrong.
So yes, in practice government is where this would get solved, if you've any appetite for solving it.
The government (and not private corporations) tracks births, deaths, immigration, emigration, and of course it chooses to issue identity paperwork.
In general the closest commercial entities like banks can do is identity matching. So e.g. maybe Bank A asks you "Hey, do you have, like, a mortgage? Who with?" and you pick Bank X from the list of six options and OK, either that's a lucky guess or you know that "you" have a mortgage with Bank X.
This is pretty poor, it's something, but it's not very much, it's up there with Facebook's "Here are some pictures of people, which of them is your friend?" which of course falls down when either: You "friend" people you don't actually know and wouldn't recognise; or your "friends" don't like Facebook having accurate photo data and intentionally mislabel random other people or things with their name...
And as with the Facebook thing it breaks in surprising and hard to reproduce/ demonstrate ways. Maybe you think of this as your Big Bank mortgage, but if you check the small print it's actually a Different Bank mortgage, that Big Bank are re-branding, and so you just picked wrong.
So yes, in practice government is where this would get solved, if you've any appetite for solving it.