[imeikas]

Hehe, luckily it's not that easy to get the ID-card.

You have to prove you are Estonian citizen (or become one) and the system is secure enough that people can trust their money and sign legal documents with this system.

Actually this is one weak point in the system. If some crook gets hold of your ID-card and your PIN codes, he can sign documents that are legally binding. (For example sell your house for a dollar etc.)