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All the merchant has to verify is that someone has signed the cardholder's agreement on the back. Writing "Check ID" or somesuch does not 'legally obligate' the merchant to check your ID. Their merchant agreement generally says they shouldn't accept it or to require the presenter to sign the cardholder's agreement before accepting it.
As far as ensuring that the person offering a card for payment is an authorized user of the card... the responsibiltiy for that will be divided up based on the specific agreement between the merchant and the credit company. Then both parties will weigh the costs of harrassing their honest customers with intrusive authentication schemes against the cost of accepting increased liability of offering a more convenient consuming experience that lets the dishonest through.
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Simple Machines in Higher Dimensions
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