..not to suggest troublemaking as a solution, but I can imagine the Joker or Hannibal Lechter under the medical cover.

"Aaaaahh! PUT IT BACK ON!"

There's always the future ID chip in your brainstem to look forward to, Mulder. Then, you can wear someone else's face (mask?) if you want and the bank robot will always know it's you when they smile, hand you a pile of scrip and say, "Have a productive day!"