I've seen the ZFC formalised in a lecture where the lecturer introduced, part by part, propositional logic, 1. order logic, and then zermelo-fraenkel-set theory. The lecturer didn't introduce any notion of identity ("=") in the part about 1. order logic, and defined identity in the part about set theory. There, two sets where defined equal when from something being an element of the first set followed that it must be an element of the 2nd set as well, and vice versa (the definition captures what I read would be the "axiom of extensionality", later on).
However, in the further proceeding of the lecturer (here: https://youtu.be/AAJB9l-HAZs?t=4456), the lecturer used the "=" sign, and the notion of identity, not only for sets, but also for elements of sets.
Did he, in this moment, assume that every element is a set? And does this mean (for the further use of the ZFC) that I can only use ZFC to describe "collections" of entities that are as well a set?