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It isn’t simple at all. You lack nuance.

You can stop doing business with Mom&Pop’s coffee shop relatively easily, just like you can move to a different town to get away from your city government authority.

But you’re practically never going to truly get away from Meta, Google, Amazon, Nestle, McKesson, ATT, and those behemoths due to their size, similar to how you’re going to struggle to get out from under the US Federal government.

That's not true. Governments most likely have your data within the management of private companies right at this moment (especially Microsoft through Azure, Amazon through AWS, or as a student Google, due to Chromebooks). Changing the private companies that have your data, in some cases has changing your government as a prerequisite.

How can I stop doing business with Experian, Transunion, and Equifax?

You can't, but that's not a particularly good example of why it's hard to stop doing business with private companies, because the reason you can't stop doing business with them is that the government has specifically mandated it.