"Easy". The real problem is that most people don't even know it is necessary to do. Opting out of Facebook's data collection is easier than opting out of the credit agencies' but it is decidedly more involved than just not using their products.
Sure, but in the context of this conversation, googling "stop Facebook from tracking me" and installing a couple extensions is infinitely easier than the solution to the abuses of credit agencies, which is... what, opting out of a significant part of the economy?