Consider
Since Oct 20, 2004
The sky isn't falling until the chase vans come to implant you against your will.
last I checked, nobody forces anyone to get a credit card, a bank card, or implants, give fingerprints (unless you break the law), etc.
You do in fact, have a choice not to get any of those things.
You are required to have ID of some sort, birth certificate and/or social security number, and you must pay taxes, but even some people don't pay those.