Every single one of those links (sans the Apple Card) says they, by default, share your payment/transaction history, account balances, income, SSN, and other da

Every single one of those links (sans the Apple Card) says they, by default, share your payment/transaction history, account balances, income, SSN, and other data with affiliates for the express purpose of enabling those affiliates and/or third parties to market to you. I didn't say that almost every bank is "as anti-consumer as possible". I said that almost every bank is allowed and expected to do this by default, which they are.