liability for financial losses

I wonder if it's really necessary to root such schemes always into a government-issued identity. We certainly need one rooted like this (for public services and official use) maybe even 2 (one for police and control, another for social service, education and healthcare), or more.
But we may have the usage of entirely separate ones IMHO. That fits well with your idea of an ecosystem IIUC, but maybe not with the kind of security underlying hierarchical schemes or PKI.