In reply to Charles.

Totally agree. I still believe in privacy although it is almost impossible to find anymore. I never thought of it as "paying for privacy", but you are correct. If we don't use a store card, we pay more for products.

I just reviewed Kroger's new "privacy" policy - 26 pages of what they can do with your information. I was shocked at the ways in which "my" information could be used even though I knew basic ways - so much more in these privacy policies that most people never read. Frightening.

I am going to reassess the use of my Kroger card based on the point of view that I am "paying for my privacy" if I don't use it. Thanks for the idea.