I see. In the US, I've been stopped before when I didn't have my license with me and the officer looked it up on his computer. Of course you're expected to have the card with you, but that's a relatively minor requirement compared to having a valid license in the system. Forgetting your wallet at home isn't on the same level as being unlicensed.
I noted this earlier: " Almost nobody you presented the license to would know that another one has been issued, besides possibly a police officer." So the usefulness is for situations that are not driving and don't involve police. One could still definitely use the 'lost' license to get into bars or concerts, start accounts, and purchase alcohol or cigarettes.
That example was addressing whether it's legal/forgivable to drive without a physical license in your possession in the US. In my experience, it is, and also there's not an issue with insurance because you are legally licensed to drive.
As for the example of the fraudulent license holder, yes, the officer would probably be able to tell, which is what I've been saying this whole time - one would not want to present the old or the new license to the police.
Sure, an illegal license holder presumably either doesn't care or isn't prepared to deal with an auto accident, in which they would have to pretend to be the person on the license and it would go on that other person's record.
I noted this earlier: " Almost nobody you presented the license to would know that another one has been issued, besides possibly a police officer." So the usefulness is for situations that are not driving and don't involve police. One could still definitely use the 'lost' license to get into bars or concerts, start accounts, and purchase alcohol or cigarettes.