I  wouldn't go as far as to say that all user actions are monitored today. With fiat, if you pay in cash, you can to essentially undetected (if you want to avoid face identification you can simply wear a mask which is still recommended even if not obligatory). If you are browsing the Internet, you can use VPN if you want to ensure your privacy. Also, nobody has enough resources to literally monitor every user (at least, to do so actively instead of living the job to algorithms). Bitcoin is transparent, so transactions are very traceable. Whether these lead to your real identity is largely a matter of how careful you are. As for me and privacy, I would prefer the companies to know less about me, yes, but I am also not going to go out of my way to achieve it.