That's why I said in "American vernacular" because it's not the dictionary definition. Typically businesses/regulators distinguish between business-to-business (B2B) and business-to-consumer (B2C) transactions, the former is what you're describing, the latter is what OP is describing, and relates to any transaction between a business and an individual. it's also why we have markets like "consumer electronics" which refers to products sold to individuals, ie "consumers", and not industrial/business sectors.

I don't want to argue semantics though, since it's very clear to any native English speaker what "consumer" means in the context of regulation - it means individuals, not businesses. I get that the connotation of the word may be lost in translation, and that's what I was getting at.

In addition, "payment" isn't strictly hard currency, it's the exchange of value. Consumers are purchasing Google services with their data. They aren't the literal product that Google sells to advertisers, the data is.