Well, in the one example given, a waiter used the name to discern that the debit card would probably belong to a black person. That seems like a perfectly innocent use.
Especially when they are literally holding a card with the name of the person they are looking for on it.
There are fairly well established social methods for dealing with that conundrum and none of the good ones involve the waiter handing the card to the person they think is most likely.