A reader writes to favor photo ID for voting, and claims that her bank requires photo ID just to make a deposit. But after a couple of questions, she admitted that she had never tried making a deposit without photo ID, and does not really know what the bank policy is!
I think that a lot of people probably like to present photo ID. It is their way of saying, "I am not an illegal alien." They also like to show off their major credit card, as a way of saying, "I am not a deadbeat with a low credit score." California is crawling with illegal aliens and deadbeats. You have to show off your status however you can, I guess.
Update: The reader writes to say that the bank teller told her that it is bank policy to ask for photo ID or an ATM card. She does not know what the bank would do if no such card were presented.