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In Norway, Latvia, Belgium and probably others, the card is issued by the government. So there is no cost to the bank to re-issue a lost card.

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Ah, that's the key. We'd never get a national ID in the US, instead ironically forcing the costly KYC onto each individual bank. (And Twitter now apparently.)

There's already a Federal ID required for banking in the US: your social security number.

Except that when it was first implemented, the government explicitly stated that the Social Security Number was not a valid ID.

https://www.npr.org/2018/03/22/596180023/how-social-security...

Due to this, it is fundamentally missing multiple levels of security. You can actually guess someone's SSN within 2 digits if you know their date of birth, and location of/hospital of birth.

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