Dane here, we have mostly the same system. There are only really two groups that have issues: the very young (who are not used to checking up) and the very old

Dane here, we have mostly the same system. There are only really two groups that have issues: the very young (who are not used to checking up) and the very old (who are not used to computers). Nobody is unenumerated, everybody has our version of a social security number, you are mostly required by law to have a bank account (and banks are required to give you one, except in specific individual cases such as you acting in an inappropriate manor)