That is, generally, how it works in most contexts, yes.

> Why do we even have photos on licenses and passports

To protect against trivial theft-and-use, mostly. Your mention of licenses, in particular, was interesting given how straightforward it is for a relatively-dedicated actor to forge the photo on them (it's tougher to forge the security content in the license; the photo is one of the weakest pieces of security protection in the document).