Like most people I try to use as little personally identifiable information on the internet as possible. What has credit cards got to do with identity? When I use a credit card on the net it is a secure communication between myself and the credit card company. What you guys should be working on is making sure the fields I type the numbers into don't autocomplete from last time!!!!
People have the right to refuse to use their real identities on the net. My "real" net identity has no personally identifiable information. How are you going to secure that, and make sure others don't steal it, while making sure the governments dont prevent me from using it?