> that tries to peep in your bedroom window
That's not really the argument your opponent has.
It's that pervasive data collection, even if it's 'only' outside your house, is quite bad.
> I’m trying to make discourse on this topic less black and white.
Then you need to rethink your framing, because right now you're trying to split it into "store tracks transactions by itself and uses that data itself" and "tries to peep in your bedroom window".
Everyone else is talking about shades of gray too. But they're pointing out that 90% of the store-tracking shades have significant negative consequences.