I mean, people often have conversations in coffee shops, such as Starbucks. Starbucks is a third-party private business that only exists if it somehow can make money off of you. I am pretty sure it also does "nebulous stuff" with the data it gets off me - it has my credit card after all, and I am sure it runs all the analytics it can. It will remove me from the stores if they don't like me (with the exception of few law-protected cases).
And yet, no one says that the physical world is "already completely overrun by malicious actors", and that somehow "majority of population" does not have the ability to notice that most of the establishments we interact with daily want to make money off me.