Ok, I'm hoping you live in a small and everyone you know owns a car so you just don't realize that many, many people do not have driver's licenses or photo ID, and they're not all black. It's not that folks with no photo ID are stupid and "too outside the mainstream to even rent a movie" -- it's that they just are. Perhaps you should make a driving tour of the South. Or perhaps you should study the Constitution and the history of the poll tax law. It is precisely issues like photo ID that are used to discriminate against the poor. And black people are disproportionately among the poor.
Let's say your wallet got stolen right before the election. Does that mean you lose your right to vote? Simply registering with your signature, and having the signature compared at your voting location, ought to be enough. It's illegal to force voters to jump through hoops to exercise their right to vote, for good reasons.