This sounds a little too far in the other direction to me. From working with a handful of advertising platforms interested in the web property that I've worked with for the past 8 years, I agree with your point re: incompetence. However, I disagree that it's _only_ the big boys who are gathering large portfolios of data on individuals that span multiple web properties, apps and spheres of data. It seems to me that your data is part of the marketplace and anyone can play.

Regulations would be nice. A technological solution that fundamentally obfuscates an individual so that they can buy their groceries without being big-brothered would nicer.