This is how it works in Poland since September 2019, after some recent SIM-swap attacks. You can swap SIM or get a replacement if stolen only at store showing government ID. It is free of charge with Orange and not always free with T-mobile.
But this has some downsides in real life.
1) I had to walk my 88 yo Mom to the store to swap SIM card.
2) Every clerk at every shop can do that so for a determined criminal it is possible to bribe or threaten one.
3) Virtual operators (MVNOs) usually do not have physical locations and there is a dozen of them.
A recovery code snail-mailed/e-mailed to the account holder when they first open the account is the correct way to go, and if they can't provide it they need to go through a lengthy process where many factors are used to authenticate them (verify their physical address, verify their ID, ask to confirm last call records, billing details, etc).
If later it turns out this was a sim swapping attack you can verify if the clerk entered a valid document ID. He can’t do that without having been presented a proper document, so you can tell if he checked.
I wasn't sure how would you solve the problem of verifying the ID card without showing the previously recorded number to the clerk. But simply requiring to every time just punch in the ID (and maybe scan the whole card to check the photo later) could work - if the system only returns a big OK or BAD signal.
Currently here, in Hungary, the clerks just photocopy the IDs though. And there was a big scandal a few years ago (in connection to the ISIL/ISIS attacks in EU) about some groups obtaining hundreds of thousands of SIMs for just a few names.
Your first drawback is substantial, though.
That would be smart criminal with means. I was thinking more of a hood with fat neck passing $20 to clerk assistant to obtain SIM for $5k fraud.
https://arstechnica.com/tech-policy/2019/10/att-employees-he...
So easy for evildoers and so much friction for law-abiding customers.
That is for example how my debit card works. If I want to use it abroad I have to turn that feature on for whatever time I am abroad.
The same is true with my major US bank (and probably other banks too).
[0] Full disclosure: I work at Twilio and built the first version of the wireless product, so I'm a bit biased.
Also, remember the date when you created your Google account. The best way to find that date may be to look at the first email you received in the account.
This just moves your security issues to another account.. how many layers of recovery email address are you willing to go before hitting the end?
I mean, in Europe if criminals want to get a bunch of stuff on credit from some place with a disposable identity, they generally recruit poor/homeless people with real IDs, because that is simpler/cheaper/safer than trying to do it with counterfeit IDs.
SMS hijacking, just as the core identity theft issue is so much rare elsewhere - it demonstrates that it's a solvable issue if the USA wanted to solve it. (in some sense the discussion on identity theft reminds me of https://www.theonion.com/no-way-to-prevent-this-says-only-na...) However, the straightforward way to do that would require a proper single centralized (i.e. federal) gov't ID issued to almost all people, which seems to be anathema in USA.
Can you detail which "most" of Europe you are talking about?
In Italy, while obviously you have to produce an ID card, there is no way that it can be checked online by "an employer", only Police (and Carabinieri) can do those checks, and of course ony for Italian issued ID's, moreover in some other businesses besides SIM card selling where the ID is needed (as an example hotels, AirBnB's and similar, car or tools renting, etc.) the actual employee never had a formal, official training to recognize forged ID's so everything is demanded to the single employee common sense and experience/knowledge (often zero or next to zero).
Particularly with "foreign" or "uncommon" pieces of ID's even if Italian (besides the "normal" ID cards and passports there are a number of other documents that have ID value) it is extremely difficult to understand if it is forged.
In UK AFAIK there is no national ID card, so you are limited to passport and/or (if valid for the scope) the driver license.
For the record - for a period it was laminated, and then it was forbidden to laminate it (as forgeries were somewhat simpler with the laminated one, though I don't know the details).
Old ID card (paper, large, duration - theorical - 5 years, then extended to 10 years, practically indestructible, i.e. they actually lasted the 5 or 10 years):
https://carinola.modulisticacomune.it/modulistica/categorie/...
New ID card (electronic, credit card size, with chip[1], duration - theorical - 10 years, usually illegible after 2 or 3 years in a wallet unless you use a protective cover):
https://www.formatrieti.it/carta-didentita-elettronica
And whether you get the one or the other may depend on the city (comune) as most will use all the empty paper documents they have in storage before starting issuing the new electronic format.
[1] for which noone or nearly noone has a reader BTW, the whole stuff is somehow experimental, even now that we have an app (Android only):
https://www.cartaidentita.interno.gov.it/identificazione-fis...
The US also has the REAL ID[0] standard that requires IDs to meet minimum standards in order to be accepted by the federal government.
If carriers just required a REAL ID compliant ID in order to get a new SIM, and actually checked it via the chip or magnetic strip, I think we'd be good.
Which is usually a really crappy idea when you want to save a few bucks compared to a real passport.
They're umpteen stories of heartbreak and hurt, by people not being allowed to board an international flight, or a cruise which stops at destinations not covered by a passport card.
They're also those that thought it's a great idea to get them for their kids.
With the same consequence. A passport card does not allow you to fly internationally. Not even to Mexico or Canada.
I'm not saying use it for international travel, I'm saying use it as an ID? Literally any American citizen can get an ID card for $65 that is accepted everywhere someone asks you for ID.
If we started taking things a bit more seriously, we could also get that fee down by subsidizing it.
A few years back I have lost my phone and went to get a new SIM. The attendant in the shop only had a quick look over my ID card. He didn't scan it nor did he enter the ID number in the computer to check anything. I think he only verified that the name was the same as the one on file and the photo looked like me.
The same happens at the post office when you go to collect a parcel / registered mail.
On the other hand, in almost every bar I've been, staff would do a quick check with a pen on every 50 € note they would get, and those notes are fairly common (two cocktails in a random bar in Paris can often cost more than 20 €). I don't know how effective that is in actually detecting counterfeit bills, but there's clearly more effort that what the other clerk did.
This forces crooks to use more expensive and traceable high quality papers for their counterfeit notes or they'll get rejected in stores and bars.
Having IDs that actually look up to anything at all is a relatively modern idea. When I was born if you suspected a passport in my country of being bogus it'd probably take a bunch of clerks several hours of physically looking through filing cabinets to check.
And where we build systems that can check often people don't. The UK government built a system which lets a driver prove to the government who they are and then get a token value back which they can give to anyone - that token can be exchanged for viewing the government records for that driver. So e.g. hire firms could insist on this token to see you're not disqualified and actually have the entitlements your physical driving license says you have.
They don't. Some of them will let you give them this token reluctantly but all prefer you give them a print out, which obviously you could just fake.
Unless it's the former it's as good as a standard paper ID as far as forgeries go. If anything, having it machine-readable decreases security as it means the person inspecting it spends less time looking at it and just scans it in a machine.
On top of that, one could think of: A passphrase to authenticate a number transfer to another sim.
Sending a code through physical mail.
Do you know if something like this exists in europe?
After that 2FA should always be device specific. If you want to do 2FA with your phone then the 2FA challenge should not get sent via an identifier like a phone number that may change owners. Instead you should download a 2FA app that generates a private/public key pair where the public key is linked to your account. That way the only thing you need to do is wipe your phone remotely if it gets lost.
Won’t this work?
This is a terrible scheme.
Edit: regarding the "lack of availability" at the point of wanting to reset the password: the urgency of resetting passwords should be considered a lesser inconvenience than the risk of having lost control of your account through insecure 2FA.
(I am simply supporting my original brain storming thought through ... I am not married to this idea in any way or form. Just a thought.)