So what - we accept a system with known and easily-exploitable vulnerabilities because it's universal and alternatives to it "have difficulties" in certain corner cases? No, F that.Those all have difficulties. One is international: there are hundreds of formats of IDs in the US alone and you lose all the security features when they're imaged. People in many poorer countries may not even have government ID. What if somebody signed up to their account with a false name (for anonymity), a nickname, a maiden name?
Credit card charges are very insecure: they don't actually tell you whether the name is correct. The credit card company runs risk management and may deny a charge based on risk criteria. They may see just $1 and authorize it without question. Then add countries like China where citizens use PayPal-like services (Alipay). And countries where people don't have bank accounts period.
It's easy to dream up secure systems, but when you look into implementation details, especially to a public service, they rapidly fall apart. SMS is so prevalent because it's so universal.
Of all companies, Apple is in the best position to really move the ball forward for the reasons I described earlier. You're right that anything new will have some difficulties, and there is no solution that will work for 100% of earth's population overnight. But that doesn't mean we should just stick with the crappy system we've got forever.