Are these the government? Is the bank the government? Is the rail company the government?
No? Then you have answered your own question.
A silo of identification between you and a service provider that uses the provider’s own tooling is still anonymity from government authoritarianism.
The fact that nearly all of these silos are leaky IRL - with the government eager to punch howitzer-sized holes through them for even more access - is not the point. It is a citizen-hostile flaw that needs patching through loophole-proof legislation, not an ID system that would violently eradicate any remaining separation of government from capitalism.
Remember: when government and capitalism rides in the same cart, it is called corporatism, and is the basis of Fascism. Which is what is happening to America.