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I agree. In my opinion Facebook has overstepped its borders when it comes to using customer data. However, they don't force me to use it. So anyone can close their FB account, no big deal. The point is that most people are just happy the way it is for them using FB; and they will enjoy cheap and instant transactions. And I am also pretty happy the way it is for me not using Facebook, and using Google and other cloud providers / data aggregators as little as possible 😃. Free world.
RE: Libra - Banking Innovation