Here's the way I see it
Don't want the kid at the local video store to have your personal info, don't become a memeber,
Don't want the Dmv to have it either, don't drive,
Not the banks either, do all your financing in cash,
You have a choice, you paranoid freak(what the hell makes you think that Microsoft gives a squat about your personal info anyway, have you checked yourself for little microsoft anal probes lately, maybe there tracking YOU)