Visa only tracks purchases. Surveillance ad tech can track literally everything your browser is doing. Did you go to Reddit today, what subreddit, what posts, who did you reply to, etc. Or, did you visit a porn site today, or a dissident political site, or a marketplace for abortion drugs that are illegal in your state. There is no meatspace analog; the comparison is absurd.

Visa tracks did you purchase porn, did you buy something from Infowars.com, did you buy abortion pills, etc. That's only one source for data that advertisers use in the physical world. You think that's a big difference?

Yeah I think there's a huge difference between what I buy with a credit card and what I look at on the internet.