Because you and I do NOT pay for or directly use the product that contributes to the $3B. I can buy a phone and still avoid Apple. I can use the web and still a

Because you and I do NOT pay for or directly use the product that contributes to the $3B. I can buy a phone and still avoid Apple. I can use the web and still avoid Google. I can avoid Facebook altogether (some argument as to wether I can actually avoid this). But if I want to use a credit card, buy a house, etc. I cannot escape Equifax.