There is zero evidence that financial mass-surveillance, in the form of KYC/AML mandates, hampers the flow of funds to terrorist and criminal groups. There has

There is zero evidence that financial mass-surveillance, in the form of KYC/AML mandates, hampers the flow of funds to terrorist and criminal groups. There has been no demonstrable reduction of criminal and terrorist activity since the G7 embarked on widespread financial surveillance in 1989. As for the ToS, they provide some level of accountability, which can, for example, take the form of a mass exodus of users when a company changes its ToS to make them more invasive. And people can ultimately choose what data they share with web services, whereas mandates like the ones being promoted by the Commerce Department eliminate that choice altogether. There is undoubtedly a lot of space for improvement in the privacy realm but clearly we're not going to go in that direction if we institute overt mass surveillance programs that criminalize privacy.