Here's one problem. They don't have to do this directly. They could outsource to third party analytics firms who provide only "customer scoring" that turns out

Here's one problem. They don't have to do this directly. They could outsource to third party analytics firms who provide only "customer scoring" that turns out to be slightly more accurate than in-house, privacy sensitive models. Slightly more accurate turns out to be millions or billions of dollars. It becomes impossible to not use this information. And that behind the scenes information consists of analytics firms who can link not just your social media accounts, but various fingerprinting sources with varying degrees of accuracy. Given the complexity, people get lost in the numbers. That some people are intentionally blacklisted seems inevitable. The more I think about it, the more I wonder if there is any alternative or safety from it.