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My 97 year old grandmother does not need photo ID for any aspect of her daily life. She is also a college graduate that routinely does fairly complex math in her head for the fun of it.
Complex math in her head and still too dumb to get an ID? (rhetorical). Obviously your grandma doesn't represent the average person nor even the average elderly person as most still write checks, have bank accounts and travel. I encounter a lot of poor people and minorities in my job and not once have I ever asked for ID and they didn't have one.