I think this is a terrible headline that masks an interesting philosophical debate. Especially at this community, we feel we intuitively understand that we get the convenience and social value from Facebook for $0, and we pay in our personal data they use to serve up advertisements. That to me is hardly newsworthy and a relatively uninteresting piece.

But- there is an interesting question in what is an appropriate use of our personal data w.r.t credit ratings, financial decisions, etc... Just like there are anti-discrimination laws that prevent mortgage servicers from altering policies based on race, perhaps there should be other walls to keep separate how our data can be used financially.

This is a question the NY Times should've posed instead of this clearly linkbaity uninteresting headline.