See, I don't believe that IDs are only used for verifying that someone in-person is the owner of an online account, because if that were the case, I wouldn't need an ID for banks that don't have physical locations. Rather it seems ID verification is used to correlate a legal person's accounts with each other, and make it more difficult to perform confidence scams. (Confidence scams typically include things like using a different identity to disconnect your actions, and their consequences, from your own legal identity.)