I share your sentiments re google exactly. But the credit card and banks point is also understated.

Google innovates. CCs are basically a monopoly/duopoly, a private tax on an economy where increasingly everyone uses credit for everything. They make money on these transaction costs and banks issuing them make money charging insane interest when your neighbors fall behind, trapping them in a debt cycle. And yes, your purchases get aggregated into data sales.

Have credit cards innovated? Has your bank innovated? At least with Google their services are largely good and they actually innovate at shocking scale. Especially if you are paying for their products it is hard to argue Drive or YouTube haven't gotten better. You're complaining about ads but you want YouTube to be free? Who is going to pay for it?

Meanwhile has your credit card gotten better? Why is the CEO of MasterCard making millions of dollars? If you had to pick the thing in your pocket that is preying on you and you pick your phone, you're not thinking clearly. The answer is your credit card.