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Most European countries have some sort of strong online authentication with two factor, so it is doable.

Of course it's doable.

But SSNs aren't even ONE factor.

It's time the US government entered the 21st century.

For example?

BankID in Sweden. Sucks that it is privately owned though.

Not sure it's strong, but The Netherlands has DigiD with 2FA?

I love DigiD. After coming from the US, it’s beautiful.