There are a few problems here. For example a huge number of stores and parking lots correlate how you show up to what you buy. So if you come in your car it doesn't matter if you use cash or not, your purchase can still be identified to your vehicle ID.
There are all your friend, well if you have any, that create a you shaped profile in their data.
There is also a U shaped hole in your actions that shows up pretty well depending on how many people around you use cards.
At the end of the day you're probably on more watchlists because you're an outlier.
You seem obsessed with conformity and your arguments read as "Just stop being weird!"
I have a family, active social life hanging out at events or with friends weekly. I travel the world often, been to 6 countries in the last year. I am also a serial tech founder, and security researcher with piles of finds that impact nearly every fortune 500 company.
If anything I live a much more active and successful life than most of my haters, and I do not need to agree to the terms of service of any corpo-tech to do any of it.
People should make decisions based on personal conviction, not crowd conformity.