They might report you to a credit agency or keep your deposit

Nah, those are mass produced. I’ve seen them in touristy shops

They are public employees who are changing things at the core of our government. Why wouldn’t we know their names?

Government employees names aren’t secret (asides from a few exceptions) nor is their pay

Roaming and local are there for reasons.

Mostly enterprisey ones, but roaming “roams” with your user profile.

If you have ever used a system where you could sign onto any computer and your stuff would be there, it’s mostly due to roaming folder.

Local is local to the pc and does not roam to others