HMS_Dave
Grand Old Lady
Don't know who you're referring to as "us" but the majority of the UK population (74%) own a laptop. The vast majority of laptops have webcams.
And 95% own a smartphone of which almost all have a camera which, if it wasn't obvious, is also suitable for a similar identity check.
But I suspect you know all this and are arguing for its own sake.
That may be true. And my dear old mom owns a Laptop. But i once had to help her make a video call to a family member as she failed at the first hurdle. She didn't realise that the webcam switch was off, as Lenovo laptops have. It just doesn't come naturally to all folk.