It took an hour to get past the AI who kept hanging up on me. I’m more concerned after reading the article.
The other problem is that there isn't just one credit system, there are 3 major ones for general consumer credit, and other specialty ones (Innovis, etc; I had a list somewhere but can't seem to find it; AI might be a friend here).
Because then nobody could keep using them like they're a password, and would have to find actually secure ways of identifying people.
Even SSN is not private - you need to share it with enough people that it is safe to assume bad people have it.
Connecting an ID to a individual person is very hard. It is even harder when that person is not physically there.
I don't know enough about it to say if it would prevent the opening of a CashApp account.