Any agree, it should be only a username and MitID is the verifier(password) and without both, it should simply be impossible to create any kind of binding contracts like loans etc. anything else is simply sloppy policy from the government. but again no politician understands IT, neither does the majority in EU about the implications of chat control...
It will take a whole new approach to confidential information to really make a difference. I think we need to go the SSI way, and I think at some point we will.