I think a key point to consider is that when buying a good or service that has a quoted price, a consumer can make an informed decision as to whether that good

I think a key point to consider is that when buying a good or service that has a quoted price, a consumer can make an informed decision as to whether that good or service’s utility to the exceeds the utility of price being asked for. When there’s all sorts of tracking going on behind the scenes and advertising that leads to them getting better targeted ads (which presumably lead to them spending more, because otherwise firms would not pay to have such targeted ads) then it becomes an opaque situation that does not allow the consumer to make a reasonable calculation.