Mortgage wise it's already all online, I have not met anyone from my mortgage bank in person.

What I'm speculating about is that the same way my businesses have been fully registered with documentation and are now requiring additional digital verification via their new services, could be used the same way for other aspects of the personal sector, and the only reason to do so would be for getting everything under a single digital system.

The last steps will be to tie it to a digital currency.

Then they can tack on any news laws on top of this and you'll have no choice but to comply.