And that is the problem with this concept. It forces everyone like it or not to be dependent on third party services and tools. Phones, Carriers, Email Accounts. Apps, Etc. This is a backdoor towards the final goal of eliminating cash where there will always be the dependency on third parties to make ANY and ALL transactions. Won’t be long and they will start to charge a “handling fee” for all these third party services. There will be no such thing as a two party transaction anymore.
You missed one very important aspect of this 'third party' information. The Supreme Court has ruled on several occasions that none of this third party data is subject to 5th amendment protections.