I understand the importance of focusing on the government, but I think use of this sort of data should be restricted for everyone, not just the government. What happens when employers realize that you can filter out less desirable employees by correlating the movements of their social groups and cross-referencing it against credit history databases? We fear what the government can do with the data, but as a practical matter its corporate America that's more likely to actually screw over large numbers of people with this sort of data.