2. It doesn't really matter if you opt out, because _other people around you don't_: they take pictures in which you show, they tag you, they talk about you, they send you links, etc. Which means they (Meta) build a shadow profile of you anyway.
The "personal responsibility angle" is pure fiction.
I live a somewhat normal adult life and manage without having anything to do with Meta ¯\_(ツ)_/¯ I probably miss out on some things, but I don’t notice.
All my friends just contact me through other sources.
If you have kids, it’s more difficult - I can acknowledge that.
So yeah if a business requires me to have an account I’ll find a different business to patronize. Frankly if you’re expecting someone other than you to take responsibility for the media you consume, that’s a problem.