It can bother people even those who are using those services for legitimate uses. As I said, It was less strict before and over the years they add verifications of all kind, up to take selfie or video call and so on. They don't invent new rules/laws for fun. They do because of abuses/misuses/frauds. And some are not able to meet their requirements.

I can give you an example. There is a service that I was using and all working fine and then a day they decided to add a new verification stuff. Need to send again ID card. And I can't, I have an ID card, of course, the card is valid but the date is expired, our gov. made some changes while back about it, so a lot of us have an ID card considered valid by the gov but the cards are showing an expired date. Hard to explain this to foreign companies, some countries accept and some not. In some countries, you can be fired back to your country for an illegal situation, like a refugee!

You can say: So what, get a new card. Yes, the problem is the gov doesn't want to provide us a new card as the old is still valid, so there is no need for their point of view. The only solution is going to the police and lie to them telling you got robbed and inventing a fake story, which no one, including myself, want to do.
It's just an example but I can give other examples as well. So you see, people with legitimate uses can be affected for all this