Because your physical ID isn't scanned every time you access your bank account, and your bank (hopefully) doesn't check with some central database the government controls before issuing you an account. With a digital ID controlled by your government, that is required for accessing your account on the other hand...

We're not talking about just governments, we're talking about the private sector having to verify a digital identity tied to your biometrics before allowing you to participate in commerce. This is a whole different ball game than having to present a physical ID before being granted access to government services.

The latter is quite normal and the former is extremely dystopian.