Personally, the data I provide them is irrelevant by design and therefore useless, I use cash frequently. I take your point that most haven't been protective of their spending data; but I would also caution that for those two decades, there hasn't been the capability for the data gathering, data collation, and AI analysis that is currently being weaponized against us. They are absolutely ready to do all of this now. And no, you cannot identify the manipulation they propose to employ; it will all be based (and customized for you) on the subconscious workings of your mind that they have extrapolated from your data - complex patterns and responses you never knew you were making. (ie: you hear a certain song on Tuesday afternoon and are 65% more likely to buy ice cream on that Friday. If your Thursday night show includes a certain unrelated keyphrase, you are 72% more likely to buy the ice cream from Store B instead of Store A.)