Presumably you might also get better rates for a mortgage, to be fair.

Possibly, but the big companies have ratcheting expectations to meet, and prefer to keep benefits to themselves, while leaving us with the drawbacks. e.g. Tesla using telemetry to protect itself but not customers without court order.

You seem to carry a very defeatist demeanor. Is there a particular reason for capitulating at every point of friction?

You've misread or I was not clear enough. I advocate rejecting this system—one must understand the boundaries in order to do that. Saying, "I won't bother" is the opposite of that.