Taking Credit!

It seems that good ole' credit card companies want to treat the customers with as much disdain and deleterious debt that derails our financial designs to use credit in a good way. They have sneaked and slipped in excessive fees and hidden agendas into the fine print-this is definitely a good policy enacted by the Barack H. Obama Administration. What I would like to have done is eliminate the need of having a Master Card or Visa in order to cash a check drawn on a bank that you take the check to. So, I have a Bank of America check, draw on that bank, as a payroll check, but I can't cash my payroll check b/c I don't have a credit card? I do have a Driver's License or State ID but that is not good enough?