But what is the alternative?

Many of these systems are added to digital wallets due to legal requirements or fraudulent cases. For example, one case of fraud that I’m aware of happened in Chile, where citizens were able to open bank accounts digitally with just their ID. But since there is no good biometric information, many criminals took the IDs of homeless people to open accounts and move money around.

Sadly, these shitting things happen, then companies use these services to avoid the liability, and then these services abuse the information they have.

People don’t have much choice unless their representatives in government do something; it’s not about apathy: you can stop using one bank app, but not all of them otherwise you’ll be out of the financial system.