Syndicate funding through agent cards

[Glamurio]

I do quite like the "Syndicate Funding" approach, it gives people a reason to actually still get the card and it would give Security a way to maybe catch the bad guy by checking the ID.

what if agent IDs also copied the accounts from scanned IDs and drained each one equally when spending money, no PIN required?

This would also be a good suggestion, although it loses flavor. You could still go to Security and say "My ID is compromised please find the bad guy"