The first is true by 50%. The banks know where you spend your money but not how unless they get some help from the supermarkets. But no one should worry. We submitted ourselves to the rest 50% with Social networks/media, GMail/Yahoo (ever wondered why the hell they give you such much space and there is not a mass deletion option for the free accounts - for Google Workplace there is), on-line stores and last but the opposite of least Smart Phones. With this said I have to wonder who is smarter, us or our smart phones?
P.S. Isn't the lack of mass deletion in Gmail/Yahoo against GDPR?