I think, it's depend social class. In country side where I lived before, most of people doesn't have ID cards . Most of them never moved farest than 30- 40 km from their village and don't have bank account neither. For exemple I know a family, nobody's have bank account. When exceptionally they need to receive money, they use the bank account of some else who take "taxes" for the "service". Make ID card or bank account cost money and some Lao people are very poor, and when they get some money it's not a priority and not useful for them. Also a lot of them, or some of them, older than 30 don't know how to read and write.