The “90% of internet users can do it” is a really binding constraint. Ability to speak in a requested tone or the like cuts out a surprisingly large portion of real humans.
A lot hinges on the requirements and acceptable error rates in both directions, too. “Identify using your bank or mobile account” limits AIs pretty strictly to those with enough backing to get a bank or phone, and certainly cuts down on quantity of non-human accounts. But it’s also a lot of friction for humans, and a lot will choose not to do so, or be unable to.
The “90% of internet users can do it” is a really binding constraint. Ability to speak in a requested tone or the like cuts out a surprisingly large portion of real humans.
A lot hinges on the requirements and acceptable error rates in both directions, too. “Identify using your bank or mobile account” limits AIs pretty strictly to those with enough backing to get a bank or phone, and certainly cuts down on quantity of non-human accounts. But it’s also a lot of friction for humans, and a lot will choose not to do so, or be unable to.