Which is why I don't like using smartphones for a number of things. You basically agree to info sharing by accepting the terms when you activate said phone. The only thing "opting out" does, is to "limit" "some" info to "certain" 3rd parties.
Then to go and add those electronic wallets, or apps from your bank or CC issuer. There's a TON of data there that shouldn't be shared.
This is specifically why I switched from Android to iPhone. Apple isn't in the business of collecting and selling your data while that's the heart of Google's business. Apple is working hard to crack down on privacy invading apps. iOS 13 prompts me whenever an app wants to use GPS or Bluetooth, for example, allowing me to choose to only allow access when I use the app or just that single time instead of granting access once and the app can then do it any time going forward. They even show you a map of when the app has taken your location data before -- it's crazy how much of a map of your activities these apps make.
You make very good points for owning an Apple, unfortunately I had such an issue once getting locked out that I swore never again. lol
The security level felt like I was asking for sensative docs from the NSA...