Hiring an employee, and to a lesser extent opening a bank account, are much higher-touch processes than taking on new users for your massive-scale internet app. With bank accounts and KYC, transactions can be reversed, traced, frozen, etc. after the fact. You can't "take back" API responses the same way.

Clearly, there's no such thing as a perfect exclusion rule at any of these scales, but the false-negative to false-positive ratio seems like it will be way higher if Anthropic starts trying to verify IDs.