I mostly agree with the first bit.

Re: advice, well, there could be, but the people who put these things in place aren't necessarily thinking in those terms. They're thinking about a statistical edge and acceptable negative outcomes on their end and no one else's. They're not maximizing what's good and helpful for you unless it helps them also, they're probably maximizing short to medium term profit seeking. Computers are an amplifier of human bad behavior.

See also, "computer says no": https://en.wikipedia.org/wiki/Computer_says_no