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That does not mean they have to carry said stuff with them. Also, credit/debit cards do not store the same kind of information an ID card stores, particularly as there is no photo.

Do you really think we ought to have a society in which no one can leave his house without his dog tag?

i don't recall saying that people have to comply with having id on them at all times

As true as it is that most people have them, they're not a form of identification...

yes, but that is up to the discretion of the police officer

It's extremely normal to travel without any kind of ID, especially photo id. The main thing a lot of people carry is their driver's license, but if you don't have one of those you might very legitimately have none.

I am not saying that the police requires people to carry them, just that you pretty much need them in every day life

This is entirely untrue.