It’s not about user-led synergy. The personal data market is slurped up by those that already have and are building correlations. Just because a user didn’t report anything to their insurer doesn’t mean an insurer sure as shit isn’t going to want the data if they can link it to the user whatsoever, so long as it will make them more money.

This is hypothetical, of course, but it’s the way the market of data brokers works.