For the record, while I think you make valid points, Banks absolutely do not do this - to advertisers at a minimum. The gov't can come in and investigate your account through certain procedures, so I can't speak to that, but when banks give your information to advertisers, it's not your transactional information. I know I'm asking you to trust me on this, but I know what I'm talking about. On a side note if you search the word "regulation" on hubski, you won't find my post but you'll find some very interesting discussion. I'm going to have to go back to it.Also, I have very little trust in the current social constructs and do not like the idea of having every single purchase I make recorded and distributed to advertisers and other not-so-nice government agencies for furthering questionable agendas of individuals within said organizations.