Banks are very regulated and are going to require an ID every single time for any interaction with a non-customer. If you are a customer and the employee knows you, they're going to pull your information (with or without you knowing) and associate it with the transaction that you're doing, whatever it may be.Or going to the bank to cash my paycheck, the two names on the check are the same two names on my uniform shirt. She has to identify me anyway. She told me if I had an account there, this wouldn't be a problem. Why would I want an account there if they won't honor my checks???
At breakfast one morning I looked old enough that I got a senior discount that I didn't qualify for. At the grocery store on the way home I looked young enough I got carded for buying beer.
As for grocery stores, many of them are moving towards a "must" ID for all 21+ transactions vs the old rule of "may" ID for people appearing under X age.