You lost me when you mentioned financial records and health record. the health stuff is locked down by law, under HIPAA regulations. Google has no business in that space, especially not in a manner for pushing advertising recommendations to us. the last thing i want is to get *targeted* ads to me over my...not saying what my problem is. Get the drift?
Financial records are the same, though with less legal protection. The main inference they can get from that for advertisers is "are they rich"? Targeted ads based on the likelihood of whether or not i spend 50 or 500 for dinners on the road (or can afford to pay off my credit card or have extensive college debt)? (or more specifically, what is my company, or the government, willing to pay when i expense it). Is that really the future of Google you want to encourage?
It certainly isn't the future I want. while I agree that the idea of personal digital agents is inevitable, Google, which still makes most of its money on advertising and can improve its revenue by targeting, is the LAST company I want to have the ability to target me that closely. I won't hide that I have a kid, a dslr camera, a large music collection, and a hobby of visiting disney and national parks, but i still draw the line on my privacy somewhere.