I think this belies a fundamental misunderstanding about how the technology works. Generally speaking, for access control purposes which is the majority of the use cases you outlined above, you don’t put anything on the chip. Chips typically come with an ID number sometimes called a UID, and this is what gets registered with the various systems and doors and access controllers so that your ID is in the list. Sometimes you can copy this ID to special chips that allow for such things, but most chips have an ID that is set by the chip factory and is read only.
Some RFID transponders are also NFC compliant and have additional user memory you could program with arbitrary data. If the transponder is NFC compliant then generally speaking you can program it with shareable data that anybody could scan. That data can be a vcard or a web link or arbitrary text.
When it comes to things like payment or vehicle keys, those applications are far more complex. Generally speaking you cannot just make your chip work with a car unless it’s an Apex Flex and your car is a Tesla… or you can hack your car or in some cases just your car key fob… But generally speaking there has to be some sort of hacking going on to enable an implant to work with your vehicle. For payment, check this;