Of course, ideally every citizen would be able to sign anything with a public-private key pair, counter-signed by the state.
It's especially bad since just about no websites I ever buy anything from use VbV / SecurePay. That means that I don't remember the authentication secrets off the top of my head, so unless I'm at home will likely abort the extremely rare transactions that really require it. I've maybe needed VbV once in the last year, and had to try 3 cards before I found one that I could use on the spot.
I think I abandoned every such purchase on reflex because it just screamed phishing attempt each time.
Extremely high friction indeed. Most merchants these days give me the option to skip it. Thank you.
It's thoroughly stupid and broken.
State-verified identity for payments is your ideal case?
Have you heard of Wikileaks?