Yeah, we're well past a point where "phones" have NPUs powerful enough to locally process "sensor" input and produce decontextualized probabilties of potential interests.

It's going to happen sooner or later and people will accept it, just like they accepted training of AI models on copyrighted works without permission, or SaaS, or AWS/PaaS, or sending all their photos to Apple/Google (for "backup").

I really question the commercial value of that kind of data. Credit card data has a lot more to do with intent to make future purchases than any keyword you might spit out verbally or in a search engine.