If the Bluetooth beacon configures itself as a master, and enters inquiry mode, phones that pass nearby will happily respond with their Bluetooth ID (see https://www.bluetooth.org/docman/handlers/downloaddoc.ashx?d..., section 8.4).
You can also do the same with Wifi access points: Phones are constantly broadcasting their MAC address during active scanning for networks. The location from signal strength isn't as good (a Bluetooth beacon can pin you down near the Yoplait yogurt, a Wifi beacon and signal strength measurement just put you in dairy) but it's getting better (worse?). See: https://www.crc.id.au/tracking-people-via-wifi-even-when-not...
I imagine it would not be perfect but would be acceptably easy to use these "anonymous" MAC addresses to connect you to a name and address on a debit card. If your MAC and 20 other people left the store Friday at 2PM, and you and 20 other people went through checkout, and then your MAC and checkout are seen with 20 different people next week it's pretty trivial to identify you.
The cynic in me, though, says that even a minor loss of fidelity in tracking data weighed against the minimal risk and cost of building the spyware makes it worth building both.