고용주들이 개인 데이터를 이용해 지원자가 수락할 최저 연봉을 계산함

Employers are systematically collecting personal financial data through third-party services like Equifax and The Work Number to determine minimum acceptable salaries for job candidates, severely limiting workers' negotiating power. This data asymmetry extends far beyond hiring, as landlords, insurers, and retailers increasingly use salary information to dynamically adjust prices—meaning individuals face higher rents and costs based on income data shared without explicit consent. The practice exposes a fundamental flaw in privacy protection and market fairness, where powerless individuals cannot control their own financial information while institutions exploit it for competitive advantage.