Right. Because eBay and Paypal have completely eradicated fraud and the gaming of the system. In addition, there are no false-positives in this scheme and people are not thrown under the bus just because they aren't 'internet famous' enough to get their situation resolved...
I'm not agreeing that we need a government system, but don't point to eBay as the solution to fraud.
It isn't sensible to think that any system can eliminate fraud entirely. If you want a system that gets it right most of the time then you can look to ebay.
What system in existence is completely resilient to fraud and false positives, and what evidence shows that the US government can produce such a system?
I'm not agreeing that we need a government system, but don't point to eBay as the solution to fraud.