Yeah so in the civilized world we prefer to carry our health card and a piece of ID anyway, but if you live in the States the first one doesn't exist and... Well... The second one doesn't really exist either...
But you know, a bank card takes way less space than a cellphone in your pockets, just saying.
Your phone that's locked? Super practical for first responders! Especially if you get hit by a car and your phone is broken!
Also, I don't know of a single place where a picture of an ID is considered a valid piece of ID. If I got caught driving with just a picture of my driver's license the police would ask me to call someone to pick up my car for me or have it towed and I would get a ticket for driving without a license.