> Requiring identification in situations that don't need it is where the problems start

Which is exactly the argument against digital ID, because it reduces the friction to asking for ID in situations that don't need it, causing it to become epidemic.

Meanwhile nearly all the instances where ID actually should be required are also instances where showing up in person should be required, like taking out your first line of credit with a financial institution, or signing on to a new job. Because the entire point is to verify that that person is the person on the ID and not someone in Russia who managed to hack their phone.