Probably not what you’re thinking but…

The problem with data warehouses/aggregators is that you can’t opt out of their effects on your life. You don’t choose to opt-in, you don’t accept anything to have your life-profile shared with them.

I’m happy that as of yet so far nobody’s suggested using a write-once, read-only public ledger for “privacy” of transactions. For the most part**, nobody’s actively mining your credit card transactions for who you transact with and what you buy, governments leave that diligence to bank onboarding.

That onboarding process isn’t great and TOS can be weird, but it’s mostly structured around making sure vague terms of service are upheld.

**Getting into the specifics of southern US and law enforcement is absolutely something beyond the scope of this topic but it’s also something that crypto does not solve, KYC at entry and exit points is a treasure trove of identifying data and every single transaction with chain analysis makes it a “solution” in search of a real world problem.