I always rode with a Driver's License, CreditCard and $20.

Later, I'd go to the store and realize that my wallet was missing a Driver's License, CreditCard and $20. So, I got a RoadID.

As you probably know, Indiana law only requires a license to operate a motor vehicle (unless it's a locomotive crossing a public road at a disignated rail crossing )

But, as you note, Indiana law also says that a cyclist has the same responsibilities as the operator of a motor vehicle...hmmm So, there's a little inconsistency....but it's very specific on who IS required to have license and a pedalcyclist is not listed.

I suspect the cop really wanted to establish your identity (since you were complaining about someone's behavior) and didn't have a strong basis in law to expect you to have it.

But, I'm not a lawyer (although I did stay at a Holiday Inn Express once).