I'm not sure why you're being downvoted. There are better processes and worse processes. But there is absolutely a tradeoff between convenience and resistance to social engineering and other forms of attacks. Your Google account would absolutely be more secure if you could only make changes by showing up in Mountain View with 5 forms of ID between 2pm and 3pm on Thursday. And it would be less secure if you could just call someone up if you got locked out and asked them to pretty please reinstate your access.
Physical presence isn't a panacea but it offers a lot of protections vs. online or over the phone. There are certain financial transactions that I pretty much need to transact physically at least in part.