You choose to do business with Affirm in order to get something from them that you deem valuable enough to let them gather information about you, and they tell you that up front.
You don't choose to do business with the NSA, you have no say in whether you consider their "product" worth the cost, and they cover up their own activities.
> You choose to do business with Affirm in order to get something from them that you deem valuable enough to let them gather information about you, and they tell you that up front.
True. But that makes the business model more compelling. It doesn't negate the fact that it takes just one bad actor at Affirm to screw that trust up (just as easily as it takes just one bad actor at the NSA to screw their trust up).
You don't choose to do business with the NSA, you have no say in whether you consider their "product" worth the cost, and they cover up their own activities.