Dane here, we have mostly the same system.

There are only really two groups that have issues: the very young (who are not used to checking up) and the very old (who are not used to computers).

Nobody is unenumerated, everybody has our version of a social security number, you are mostly required by law to have a bank account (and banks are required to give you one, except in specific individual cases such as you acting in an inappropriate manor)