There are paid options for example for email, but still people prefer the free options. Market has spoken. People just don't care about being tracked, specially if they get free goodies.
As an anecdote: I am the only one in my extended family who does not use the car insurance tracker. Everyone is calling me out on why I dont get the "free" discount.
I pay for email services (and make some use of gmail for junk/transactions).
I also would never use one of the insurance trackers. They literally have zero clue of what they are doing and interpret things backwards. E.g., they interpret higher g-forces as bad driving. Yet, as someone who has been through countless high-performance driving and race schools, had racing lisenses, and won multiple racing championships, I can tell you that what high-performance driving, whether racing or getting out of emergencies, is about wringing out of the vehicle, suspenseion and tires, every last bit of grip to maximally accelerate, brake, and/or turn. Of course, I'm usually very smooth and low-g on public roads, but if I do something like maneuver around an animal in the road, they'd see a high-G maneuver and charge me for bad driving, when in fact, I probably saved them from a claim.
It is a lovely concept, but the institutional idiocy really bothers me.
As an anecdote: I am the only one in my extended family who does not use the car insurance tracker. Everyone is calling me out on why I dont get the "free" discount.