No matter what, teaching people they can add their IDs to their phones means some people will inevitably leave the house without physical ID, and that means creating the opportunity for cops to demand phones - which you should never, ever do.
Handing your phone to a police officer grants law enforcement a lot of power over some of your most intimate personal data.
In Riley v. California, the Supreme Court unanimously held that police need a warrant to search through cell phones, even during otherwise lawful arrests.
Apple's vision for Apple Pay has long been explicitly to replace your entire wallet, which means that eventually, these IDs will be meant for use during police stops.
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