Earlier quoted context omitted.
#2 and partially #1 are solved by regulation and reputation: banks are highly regulated business, and BankID support requires specific security audit. Ad #3: FIDO is basically unusable for banking. It's designed for user authentication, not transaction signatures which banks need (and must do because of the PSD2 regulation).
If banks were actually onboard with this stuff, I'm pretty sure you can either make this happen in FIDO2 anyway, or you could add a FIDO extension that does it and get big vendors like Yubico to support that extension. Notice that off-line authenticating a Windows 10 PC relies on hmac-secret in FIDO, which is not a core FIDO feature, but it got ratified because there's a use for it, and a Yubikey can do hmac-secret.…
But I’m afraid the basic prerequisite of secure transaction signing (“what you see is what you sign”) cannot be fulfilled on a generic “FIDO2 authenticator” – you need the authenticator to have a display. Sure, Windows Hello / Android FIDO / … might support this, but your common hardware Yubikey cannot.
I don’t know to which authentication method used by which bank in which country you refer in your “58430012” example, but this is definitely nothing which could be used as a method of transaction signatures in banks here, and it does not fulfill the requirements of the PSD2 regulation.