[SquishyPanda23]

So your claim is that the average person on the street understands that if they send someone money on Venmo once, then Venmo gets 24 months of their bank account history?

And your claim is that the point of the user signing up to Robinhood or Venmo is to give Robinhood or Venmo their entire bank account history for the last two years?

I find this implausible. You have an empirical claim. You're welcome to test it.