Ah, I see what you’re getting at. I think that quote you’re referencing isn’t talking about transactions where ID is required. It’s just discussing research on similar situations(eg handing over a card that has a name that doesn’t match how you’re presenting, whether that’s a piece of ID or a credit card).
I haven’t had to change my name, is it really difficult?
Depends on the state and your own situation. Each state has their own laws, but typically you’re required to go to a courthouse, fill out paperwork, schedule a court date, pay a filing fee(typically around $150-$200, though some states are significantly higher), publically post it for a set period of time, and finally go to court to get a decision(and there’s a real chance in some areas you may get an asshole judge).
Laid out, it sounds easy enough if a bit laborious. But there are a few things to keep in mind:
One, location and time. Your courthouse may not be in a location that is easily accessible to you, and you’re going to have to go there multiple times. You’re also going to have to find time to take off of work to do this.
Two, unless you’re willing to shell out for a lawyer to do the paperwork you’re going to have to fill out legal paperwork on your own. That can either be easy, or a quite difficult depending on the court and your own ability to properly comprehend and fill out legal paperwork and follow the appropriate procedures(not always as simple as it sounds).
Finally, unsurprisingly, many trans folks don’t have a ton of money to be throwing around. Particularly during transition when someone is most likely to have recently lost either their family’s support or their jobs due to being trans. So yeah, fees can constitute a pretty serious barrier for a lot of folks and cause a delay in getting your name changed.
This is also all without going into individual state quirks and limitations that may or may not be present, and the factor of plain old discrimination(one judge where I lived was infamous for blanket denying any trans person’s name change requests).
So overall, yeah it can be difficult enough that it’s not always as simple as “just change it already” for a lot people and there’s a real need for this sort of thing.
(Side note: changing your legal sex is a completely different beast, and often a complete fucking nightmare to figure out altogether. Many courthouses can’t even so much as provide you the proper paperwork, and some will literally have clerks who literally just laugh in your face when you ask.)