You chose to use societal infrastructure to make money through the finance system (backed up by the legal system) and then complain because you hadn't researched that it came at the cost of your privacy.
I’m not the one who implemented those and I did actually suffered quite a bit but calling it “guilty until proven innocent scheme” is a misrepresentation of the situation.
You shouldn't have to give any rights up to use "societal infrastructure". By your logic, whatever group of people come to govern over society can demand any one's rights by virtue of every one using "societal infrastructure". The authoritarian ruling party of China could make exactly your argument to the Uighurs who complain about their treatment.