> Previously, you’d be able to go to a store and buy a thing without giving any information
We can still do that, it's called paying with cash. Paper money is the people's money.
> Your examples of loan, licence etc are not like 99% of interactions, and those can be handled as special cases like before
With regards to loans, it is possible for state governments to establish regional public land loan offices to issue equity loans in reference to the production and replacement cost of existent tangible personal property fixed or held on site without monitoring all of the purchases of movable personal property by the borrower to determine credit-worthiness. The borrower just has to prove there is some tangible artifact of personal property which exists, which the loan office can auction if the debt goes bad or write off if the artifact is destroyed.
We just have to mandate the loan offices don't do something stupid, like issue loans against the excess value of real estate attributable land scarcity and resell mortgages to private investors which will resell derivatives, to avoid generating a real estate bubble and the accumulation of $100+ trillion in derivatives. Additionally we'd probably need to replace many regressive taxes with distributive land taxes to ensure that households and cooperatives had cheaper access to land in order to obtain a deed or long term lease granting the security for spatially fixed personal property necessary to qualify for such loans.