Yes but I still don't get what you mean - if a crazy person wanted to pretend, they just would. I don't see what it has to do with titles. They could pretend to be a nurse or a consultant, or a paramedic.
I don't know whether banks actually ask to see qualifications - I don't think they do - so presumably someone could easily e.g. get a bank card with Dr on it, no matter whether the bank thinks they might be a PhD or a medic.
Yes of course if you asked most people 'What does a doctor DO' they would answer 'medical stuff' - that's the use of the title which is most familiar. Again, I don't see what your point is, really. If you showed someone a picture of a donnish looking figure, books under arm, captioned 'Dr. X', and asked Person In Street 'What does this person do?' they'd probably say 'teaches at a university'.
Funny to see several medics also seeming to have a problem with the non-honorific Dr. referring to PhDs. I don't get it. A 'real' Dr.? No, in our set-up there are two distinct groups to which this title commonly refers. As said upthread, in e.g. Germany, it simply refers to PhDs and medical 'doctors' can't use it. But I'm sure that if you asked, in Germany, 'What does a doctor do?' they'd still say 'medical stuff'.
We're into semantics here!
'I would rather be defined by my actions rather than actual qualifications.' - Don't you think that's quite a strange, and chippy, thing to say? What are you actually getting at there? You're essentially saying that you don't really like the fact that PhDs use the title Dr. You're trying to put it down, subtly. I really don't get why. Because it's just what it is, a title, that is the traditional, recognised way of referring to that group, just as Mrs. is for married women.