The issue is my "real self" is uninterested in participating in these networks, even if to create a fake persona.
Maybe it could be automated, or outsourced?
I have no problem accessing a $1.5 million mortgage at 2.875%, getting prescribed drugs, or immigration beyond whatever is inherently hard about the system.
The best way is still the real information. The hard stuff in the real world. What you do online does nothing.
Except maybe the Tinder thing. Most dating apps align your attractiveness with the attractiveness of potential targets. That's to be expected.
The way I see it is "Information wants to be free".
...It says a lot that all of your examples are from your own life. There are counter examples abounding that just aren't affecting you (to your knowledge), such as those stated in TFA, or CA, or Brexit etc.
Do you think these data brokers are selling our info for billions to rubes? Are insurance companies known for their gullibility? Are sale of lists of rape victims to 'whoever has money' A-OK, because you are not being personally affected?
... These trends are worsening. People aren't spending more and more on data that has "no bearing on anything". That it's invisible to you makes it worse.