And how a normie is supposed to safeguard such an id from hacks? RFID under the skin?

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passive RFID tags don't have the compute capacity for stuff like this. they usually emit plain text strings with absolutely no security.

I know. That was sarcasm. How to make sure that the electronic id is actually being used by the authorized person?

you need a secure enclave and a private keyring. i assume most would use their phone with maybe an nfc device with secure element as backup. locked by pin / biometrics.