Since then, Social Security numbers have become de facto national identification numbers.[2] Although some people do not have an SSN assigned to them, it is becoming increasingly difficult to engage in legitimate financial activities such as applying for a loan or a bank account without one.[19] While the government cannot require an individual to disclose their SSN without a legal basis, companies may refuse to provide service to an individual who does not provide an SSN.[20][21] The card on which an SSN is issued is still not suitable for primary identification as it has no photograph, no physical description, and no birth date.