You've described the identity of a person, which is not the only or the most common use for credentials. Consider a public/private keypair, where the private k

You've described the identity of a person, which is not the only or the most common use for credentials. Consider a public/private keypair, where the private key is the credential, the public key is the "identity", but that public key can grant access to any number of accounts despite not being anything other than a randomly generated key.