Ok, perhaps someone will benefit from you help and you can get your good deed points for the day, since you seem to be focused on that being your intent here. I prefer to avoid situations where fraud may occur. We watch our accounts very closely to avoid any hacking... I like the idea of asking for ID with a credit card purchase. I like the idea of Photo ID for EBT cards. I like Photo ID to be required for voting. Photo ID is required to get into schools now. I like that. Everyone should have a Photo ID...Simple.
(Does your 30 years industry experience teach you how to deal with people, a well as how to deal with fraud and litigation? Doesn't seem to be the case...

(I'm going to start a thread on fraud and hacking and doxxing and cyber-stalking and the like. I do hope you'll drop by to offer kinder, gentler legal advice...)