Yes, I whole-heartedly agree, the user should own their PII and who has access to it, but the KYC and AML checks still have to happen. Having a provider do it is also great, but Civic (as one of your examples) has explicitly stated they can't do it in international low-income contexts, and they are unlikely to ever be able to in a way that makes financial sense.

That's why folks in this space need to be thinking about how to solve this problem. There's not a clear, easy answer (or if there is it has not been communicated out enough otherwise everyone would be using it).