I'm averse to installing any apps. I don't want to use a smartphone, and I don't want companies or governments to mandate their usage. As a consumer you have no real way of knowing which apps are tracking you and selling your data and which are not. Every app is suspect, even if some are legitimately clean. Every single company that says "just use the app" is another roll of the dice: will they get breached and reveal my data? Are they tracking me and selling to advertisers / insurance companies / police? Consumers really have no way of knowing for sure.