But the ID is of course tied to a nationally centralized auth/login system for the digital variant of the services, as it has been for decades. The notion of being capable of using someone else's ID in the first place is just absurd in this day and age.

I've never had to authenticate to any sort of federal or state system to create or operate a bank account. I just provide ID and SSN and that's it. I have to do it to access my taxes, but that's because the tax agency itself is already on the federal or state level.

Also, glad to hear that identity theft has stopped existing, it's about time. Hmm, why are identity fraud alerts still a thing? I'm sure they just haven't gotten around to removing it yet.