Mortgages even need it in the US? Yikes! My mortgage experience, ~3 years ago, went like this:
- Visit mortgage broker
- Bring along last few paystubs (I brought my T4, which is my yearly income statement that the government gets for taxes, but they didn't want it)
- Sign that the broker has permission to get all credit information on me from Equifax, Transunion, and the rest of them
- Tell them how much I wanted and how much cash I'll be ponying up
- Let them copy my driver's license and a major credit card
- Come back another day after I'd made an offer on the house I wanted (conditional on financing, of course)
- Wait a little bit while they find out if I'm approved for that property (the valuation is simplified in areas such as mine that don't have crazy house prices)
- Sign my name and initial plenty of paperwork
- Optionally sign form giving the mortgage company access to withdraw from my bank account (I could send cheques or transfer money, but ain't nobody got time for that)
- Provide VOID cheque for the above (bank and transit codes)
No background check, no fingerprints. Only thing the bank cared about was that I was who I said I was and that I was good for the money.
As for fingerprints and RFID passports, nope, don't have a chip in mine and never needed a fingerprint. As of today, Canada is putting RFID chips in them, but the only info on the chip is literally exactly what's on the passport--your picture, address, and name. Canadians do not need to be fingerprinted to receive a passport.
http://www.ppt.gc.ca/support/faq.aspx?lang=eng&id=q820
I suppose since my job doesn't involve working for the government or children, I will probably never have to be fingerprinted... ...and I guess I will just never get anyone that gives up personal information that literally cannot be erased this easily! Each to your own!
FWIW, I'm not "afraid" of giving Disney my fingerprints. I just see it as a ridiculous requirement for the transaction taking place. To me it'd be like a store asking for a pee sample because you'd like to buy a bag of Fritos. I mean, I'm not scared of peeing in a cup or anything, but it's just rude and unnecessary. If I asked them if I could just pay for the Fritos and go home and they refused, I'd just do without. For me, anti-consumer behaviour results in my money staying in my wallet.
To this day, I've still never once been even *asked* to give my fingerprint. Not even asked. Heck, it's not even once been an *option* if I, say, wanted to try the experience, other than to buy a stamp pad and have at it. For the heck of it, I tried using the fingerprint scanner on our work laptops but IT had disabled them. LOL. Can't even do it if I wanted to!
One last edit... ...I think you're all going about this the wrong way. I don't want to avoid being tracked. I have better things to do than go through that tinfoilhattery. I just don't see the value in this "service" and I do see the potential privacy issues with it. I don't give anyone anything for free if there isn't something in it for me.

Except charity, and frankly, Disney doesn't need my charity, nor does the US government.