Then you vote to ban insurance discrimination on certain kinds of data. In California, for example, employers are forbidden to ask or use data on candidate salaries in their hiring process. In the US, health insurance companies are forbidden from discriminating based on pre-existing conditions.
A huge amount of middle and upper class people already voluntarily use cashless methods to spend & earn money. A huge amount of businesses are basically online-only and don't really support cash payments. Visa & Mastercard etc already engage in data sharing. Cash is just too inconvenient and will slowly recede over time, if you want to avoid discriminatory outcomes then advocate for legislation directly.
A huge amount of middle and upper class people already voluntarily use cashless methods to spend & earn money. A huge amount of businesses are basically online-only and don't really support cash payments. Visa & Mastercard etc already engage in data sharing. Cash is just too inconvenient and will slowly recede over time, if you want to avoid discriminatory outcomes then advocate for legislation directly.