1. To complete the final identity verification step when initially applying for benefits. This happens only once in a person's life.
2. If one wants to change which bank account their payment gets direct deposited to. This should happen very rarely for someone that is elderly, has mobility limitations, etc. Perhaps once or never.
In addition, the identify verification can be done online in a modern way, very easily.
A $100M estimate for current fraud is well within the realm of reason and is supported by trend lines from prior Biden-era publications.
The people you are worried about "disenfranchising" are therefore the following set: someone who has nobody close to them that could assist them with a basic website sign-up and ID verification online application, who cannot figure it out themselves, and who cannot travel somewhere in person for whatever reason.
What other institution - other than the federal government - would willingly allow $100M of fraud to occur to avoid inconveniencing the above group?
I acknowledge this policy may harm some people, but so does $100M of fraud, which is only getting worse every year.