That was an option for the past 15+ tears at least in some EU countries. Its just not very convenient (garbage tier software they bought didn’t help either).
It's pretty expensive to deal with all of the technical support and identity verification work when people lose their devices and need to have credentials reset.
How do the apps bootstrap identity? Do they just use Apple/google (that seems really bad), or do they have you do some verification and input a token into the app somehow?