I've been wondering why login.gov wasn't the choice in the first place, and the only thing I can think of is that id.me seems to portray itself as a fraud-busting identity service, whereas login.gov is simply a sign-in service. So presumably anyone contracting with id.me is convinced that they can help prevent being defrauded.

What I don't understand is why any customer of id.me believes id.me's characterization of how much fraud there is, and how effective they are. How many of id.me's claims have been independently verified?