By contrast, every credit card with "rewards", retail loyalty card, or coupon app (e.g. Honey) you've ever signed up for is — very explicitly — selling your consumer profile to advertisers/market research companies. Then, to make you interested in being on the other side of that deal, they take some of the money they make from those data-buyers and pass it back to you as rewards/points/offers.
If neither of these business models already existed, and both were pitched at the same time, I think it'd be the second one that would put people in mind of dystopian speculative fiction.