I find it a bit hard to relate to the "privacy nightmare". I've not worried about such things in ~27 years of using the web and are yet to notice ill effects from the stuff he worries about. I don't know if my ads are targeted because I have an ad blocker and don't see any. Maybe the answer to the nightmares in general is not to worry about stuff that doesn't affect you?
Re insurers knowing you've been browsing heart disease etc, I have sometimes had issues like that, more you get a cheap initial price from an insurer/airline/car hire and then they jack it up when you visit again. You can sometimes do better by having a go from a different browser. I regard that more as me trying a hack to get a discounted price than a privacy nightmare but whatever I guess.
It’s less about targeted ads and more about how little right you have to your own information. Politically, you really should care that you have a right to your own data! Everyone generates so much data through their online activity, and privacy policies everyone agrees to allow your data to be collated, sold, and analyzed really without your knowledge or true consent. While it might not have a negative impact to you today, there are more and more compelling business incentives for companies to turn your data against you.
For example, did you know your car manufacturer sold information about their customers to data brokers? Which then combined that data with anything else they can buy and get their hands on to calculate a “risk score?” Which then gets sold to car insurance companies, which increases your insurance rate? https://youtu.be/X6UW4CFz71s
This kind of BS is why we all need to care and assert our right to privacy. Companies don’t have a right to your data, but aren’t forced to do informed consent, and somehow data brokers are legal. Why is my data being sold without my informed consent?
I also think about this sometimes. On the one hand, I have a natural instinct to give away as little personal data as I can, and it intuitively makes sense to me that it’s in your favour to keep as much private as possible; I assume many of us here feel the same way. But on the other hand, it takes a lot of energy to keep track of all the data that you leak, and often you have to give up better tools or workflows for a small perceived privacy gain.
Does this matter? Even if I do everything “right”, nobody around me does it. I can try to keep my shopping preferences and my searches private, but there is so much to gather from everyone else who doesn’t care about this that my efforts are very likely in vain. Even without my cookies, if you have as much data as a big tracker does, you can definitely make pretty good assumptions about what I like.
The response I usually see to this is that if everybody cared about privacy, then the picture would be different. But I’ve been reading exactly the same argument about using Firefox for the last ~15 years, and look where the Firefox share of the market is now…
Re insurers knowing you've been browsing heart disease etc, I have sometimes had issues like that, more you get a cheap initial price from an insurer/airline/car hire and then they jack it up when you visit again. You can sometimes do better by having a go from a different browser. I regard that more as me trying a hack to get a discounted price than a privacy nightmare but whatever I guess.