[mnahkies]

AFAIK level 3 data is essentially receipt line item level data.

I'd actually find it pretty cool to get access to my own level 3 data for smarter budgeting/analysis (eg: automatic tracking of food stocks, separation of spend on luxury foods from basics etc), but I've not found a way to get access as an individual yet

[com]

Merchants seldom submit L3 data with transactions for stupid legacy tech reasons. The card schemes encourage them to do so with bips off scheme fees for doing so, but it’s a minority of transactions I think with even L2 data.

[hammock]

The merchants usually don’t (to the data brokers at least), that is correct. But backdoored firmware on the POS could send it anywhere, no?