I think people get overly concerned about the wrong things.
Your bank shares pretty much all your transactions to the credit rating agencies, who leak like sieves, that is who you are, where you live, where you’ve lived, everything you spend except cash, how much cash you withdraw.
Here in the UK you can opt out of the banking data if you are wealthy and ask, but otherwise this is a given. The credit rating agencies have special dispensation in privacy law in the UK & EU.
Mobile phones track everywhere you go, you can only disable that by not carrying a working mobile.
A lot depends what it is used for, whilst it is used to try and market products, or decide on your credit score, it is probably fine, when they start using it to send you bespoke political messages, or to arrest you, not so cool.
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