I appreciate your experience on this and don't disagree with your premise, but you are thinking that these people do all the things you listed.

You and I live life the way we are supposed to, we participate in society, we follow laws and regulations because it is incredibly annoying to not do that.

Not everyone does that, many people don't own property, or have a credit card, or have a bank account. Many people that aren't supposed to have them, do have them (illegals, criminals, etc), because other people create loopholes to get around the normal process for all these things.

I'm not claiming to know for certain one way or the other, but this is not the death sentence you claim for people who don't follow the rules of society, I think at least.