That's interesting that your card made it to you with the wrong photo on it. There was a visual inspection process that compared what the printed card looked like, to what it's supposed to look like, and cards were supposed to be ejected and reprinted if there was a mismatch.
I worked on the machine/system that prints those cards in the late 90s. When was your card issued? I heard somewhere (and find it easy to believe) that the entire system we built was replaced with something much smaller and simpler a few years later as technology improved.