Re: Card is gateway fraud
You describe the status quo where the information on the card can ve replayed byID thieves with out anyone knowing. My proposal is different and uses Chip-and-PIN principles to safeguard the presentation of personal data. The idea is to digitally sign data in the chip card before it is presented, so that the receiver can tell freshly presented data from replayed stolen data. This is how Chip-and-PIN cards prove the provenance of cardholder details between card and merchant terminal. We should do the same thing with all critical personal data. Governments could provide citizens with identity-protecting infrastructure, by 'chipping' Medicare cards, driver licenses and other identifiers, and also opening up these devices as Personal Data Stores to hold other personal details. The form factor can be plastic card or smart phone.
Note carefully the proposal is not a new identity system let alone a national ID, but to use technology to preserve and safeguard the various IDs and relationships we have today.