> Using the data they have about my direct interactions with them to predict how I interact with them in the future seems fine. As long as they aren’t charging me extra, why should I be upset that they can predict what I will do based on my predictable behavior?

They don't do this analysis for fun, they will do something with that information. At minimum, expect to be bombarded by special offers and other promotions if you should ever e.g. try to reduce McDonald's visits or do something else that raises your "attrition likelihood" above some threshold.

At worst, they could literally try to charge you extra by experimenting how much they can raise prices before the rate of visits starts to drop.