Tell me how you bootstrap photo ID in your country, and I'll tell you whether I think photo ID means anything.

In our case, we don't care at all what you look like, just that you're the same person we were talking to earlier - and ideally that you're the owner of the method being used to pay, though that's not always true or necessary. So the photo is meaningless to us.

Besides: who is looking at the photo and confirming that it's the same person as the one in front of them? Yep, an human. The whole point of this discussion is stopping the human making human-factor judgement calls.