[kstenerud]

He's making the point that she just doesn't GET it. He took a confrontational tone specifically to get her to spit out excuses for her continued use of Facebook.

His point is not just that users are contributing to the problem, but that users REFUSE to believe they're contributing to the problem. It's the whole "a little bit can't hurt" excuse, which is why he used littering as a metaphor.

In the end it doesn't matter what she writes about the evil banks. It's impossible to stop them from using information YOU PUBLISHED against you. If you don't publish it, it can't be used against you. His further rant is against your friends publishing information about you that can be used against you.

So yeah, she can write her story about banks denying loans based on photos of your frequent trips to Vegas, but it's not going to help anybody because people will focus on the evil banks, and will still fail to grasp the concept of NOT PUBLISHING PERSONAL INFORMATION.