You are being extreme and ridiculous. While it might be hard to have 100% privacy it does not mean you just give up completely. Yeah credit card companies and banks have access to my transactions, but apps have access to everything I do on a 24/7 basis. They can listen to me, track my location, see my texts, phone calls, my internet browsing, try to scan my network for stuff that can be exploited (joke's on them though my wifi is on a separate vlan for that reason) etc... Apps are basically surrendering your life over to a corporation so they can mine as much data as possible from you. Discrete apps for simple things that should be doable without one are only there for one reason, and it's to act as a trojan horse.
And if you say "I have nothing to hide" that's like not caring about freedom of speech because you have nothing to say.
Dude let loose a little bit. Life is not that crazy. I'm pretty sure most people here feel similar.
I guess life is easy around here if you own a condo in this urban area at least. I don't need a permit for shit except street parking and driving and a car inspection every two years. I can do anything I want to the inside of my condo and honestly nobody is going to say shit in my building if I do. I have a driver's license. I don't hunt and I don't fish. I just enjoy the amenities of the area, go out and eat, drink, see music, art, ride my bike, hike, maybe the beach. Nobody asks me for ID unless I pick up a UPS package from a local shop that takes packages I wasn't home to get. I have to obey certain traffic laws. And now during Covid wear a mask in certain areas like mass transit. I feel pretty fucking free. I use Google Pay and certain apps to make my life easier like buying a bus or ferry ticket or paying for the subway using Omni (takes Google Pay) or sometimes when I want a spicy chicken sandwich from Popeye's I get deals on their mobile app. So far I haven't seen a scary looking Popeye's employee stalking me.
I wish privacy laws were better in the USA like in Europe for sure, and I'll support politicians that do as well, but I'm not going to pay for everything with cash so I'm untrackable. On a day to day basis, life is pretty free and good. I don't feel smothered by big brother yet. I'm a straight white dude doing ok in an area that the general mantra is be whoever the fuck you want - dress however, be normal, be weird, be into whatever it is you want to just as long as it doesn't fuck with other people. And odds are, you'll be able to find a group of people that like whatever normal or wacky shit you like. Feels pretty free to me.