This is the part which drives me nuts. All this information about you is collected and distilled without your consent in the most opaque way possible. At least if it was a government managed thing, there would be basic public oversight. I know everyone dunks on China for the social credit score, but the issue with that is really the same - it's dystopian because it is opaque and (allegedly) an autocratic tool, not simply because it (allegedly) exists. In a proper democratic system, it could be a tool for encouraging pluralism as much as a tool for managing consumer debt.

The fact that banks are selling your data to private companies is the real dumbest shit.