I'm not advocating for that either, I'm only pointing out that "if everyone just" is a collective action problem that is a non-solution because it doesn't describe the mechanism by which everyone does something.

Your example confuses the locus of control. The platform is making the choice and relies on user inaction rather than action. Users as a whole basically always descend gradients, and if they like / are addicted to the service, they'll descend with enough momentum to carry them over one-time friction like an ID check. The null hypothesis is they continue using the service. For it to be an "if everyone just" answer, it would be "if everyone just decided to stop using these extremely sticky services" because that is the de facto choice they are presented with. And it similarly suffers from an "if everyone just" lack of plausible mechanism.

The point of calling out non-solutions masquerading as solutions is to keep people's energy focused on possible but unstated solutions, rather than spending time blaming people for behavior largely determined by myriad immovable circumstances.