Only two of the five aspects I listed involve credit. And I'm pretty sure at this point people would be much happier getting healthcare without implicit credit, and thus not end up receiving kilodollar nastygrams in the mail for months afterwards.

There are plenty of contexts for which there is nothing to be "accountable" for - I would say most general Internet use. And sure, it's possible to disagree reasonably about this, perhaps asserting that you only want to read comments that are policed by some authority. But it is an explicit tradeoff, not merely implicit that we should live in a world without some absolute privacy.

There are plenty of current reliances on "identity" that don't pass the smell test - for example the seemingly common flow of setting up online banking by going home, going to a website, and entering in your public identifiers. In the context of a brick and mortar bank, this is utterly backwards!

Describing an identity system based on nyms as having been "designed to optimize the ease of fraud" is utterly disingenuous. Fraud requires the other party to buy in to assumptions which are then invalidated. Most uses of identity, say online user accounts, don't need to carry such strong assertions in the first place.

Also, highlighting that a term carries a loaded defintion is not using "scare quotes".