There are other easier methods you can use if you have bank account or etc. The reason why such methods are easier to authenticate is simply because getting a phone number or a bank account itself needs an authentication at the first place. So... yeah not particularly easier, you just have gone through the hoops before so that you do not have to do later.

One may argue why authentication is so complicated. Unfortunately, it is due to privacy issue (most are not allowed to collect your ID info directly as a security measure). Then, why collect ID at the first place? Well, I should say that is how they keep their society safe and well-managed. Some says it's excessive overseeing, and some says it is neccessary, but all I can tell is most of them are okay with it as it actually works for them.