Doesn't ~every phone number verification service check the telephone provider and only allow from a select whitelist of residential providers?

Phone verification services exist to give you a real number for the purpose of passing this kind of verification.

They even have APIs for these services. They make money since they can use the same number to verify different things.

With esim and virtual credit card services, why would that be a blocker? Who's got a landline these days?

You can easily get lots of esims for $5-10 months in EU / UK or just for free.

I think it is really good to start to use CAMARA GEOLOCATION for it. A fraudstear could be intercepted if is not under the MNO antenna.