Why are you creating an association between those different data sets? What is the common factor between them that determines the benefit of associating them?
I didn't create the association. It was dictated as requirements by creditors, credit unions, credit corporations and banks. You know, Trans Union or Equifax in North America, ... in the Philippines there is a government controlled corporation called "Credit Information Corporation" or something like that, and by law, all banks must report your info to them.
When you apply for a loan, or just do about anything to do with money or installment plans (not paying in cash in full), you get looked up in this giant database. You know how it is, if you've been late for any payment in the last decade, it's there.
In theory, you could create different identities (with the same name), but you'll get caught when someone looks for duplicates and you won't get the best interest rates. You're normally not allowed to have more than one driver's license (from the same country), or more than one passport (from the same country) or more than one tax identification number / social security number. Yes, special people have "diplomatic" passports in addition to their regular passport, but you can't use that for any purpose other than an official state visit.
Won't give up your keys? "Thought crime" will put a stop to that.
If only there is an actual device that reads minds. People get good at this (thus the magic tricks by mentalists.)
It's all about who you know, not what you know.
This has always been true. Everywhere. I've been to several countries aside from my own. Having rank in the military and government connections has it's fringe benefits. No tickets for the past 20 years and always first in line. (I do not cut in, there's a separate line which no one uses.)