Profiles for whatever reason?
Paranoia will destroy ya.
The only time I use cash is for tipping and lottery tickets. And the occasional weed of bag.
Let the banks make their money. I gladly pay for the convenience of them accounting for my spending. Hell, they even send me a copy of their report every month.
Screw the hassle of paying cash for everything. I hate standing behind the idiot digging in their pocket or purse for the four cents to pay exact change.
What do you propose we do? Take our money and bury it in the back yard enclosed in a pickle jar? I don't care if they keep my records. They're MY records and I can use them in my own defense if need be. I don't care if they retain my phone records. I'm no terrorist and those records will never show that I'm a terrorist.

Look. If you're not doing anything wrong, then what do you care if they keep tabs on you?

The people screaming the loudest about the surveillance state are the ones with the most to hide in my opinion.
I think we all watch too much TV.