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I’m assuming it’ll come down to two things: more reliance on in-person checks and eventually pushing more towards digital signatures but the latter is complicated in the U.S. by politics. It wouldn’t be insurmountable to deploy national ID cards like Estonia from a technical perspective but we have a non-trivial number of people who object to that on religious grounds so I’d expect we’ll have some kind of private sector multiple standards mess for years.

KYC isn't about stopping bad guys doing stuff. It's about stopping the government from shutting you down.

Maybe governments finally start implementing public-key cryptography with their chip-enabled IDs and passports?