Exactly. There are plenty of competitors, and it is a user's right to "speak with their wallet" and pick a competitor.

But you agreed to terms that said they could be changed. If you disagree with the changes to the terms, you have the right to stop using the service.

Google isn't "watching." There is no person reading your emails, judging you on what you did last night or tattling about something you did wrong. Its just a program that parses your messages and looks for keywords.

You have the right to be concerned with how they use your information, but you're not entitled to any input on how it is used.

Google does not force you to use its services. If you disagree with how they use your information, it is your right to "speak with your wallet" and choose a competing service.

Bank services are not truly "free" though. Users have accounts with that bank, and they're likely paying a service fee attached to their account. Or, if there is no service fee, the bank is generating revenue from the money users have invested in the bank.

Unfortunately, a lot of users believe that they're entitled to a free service, such as Gmail. The problem is, these services cost money. Google has to pay for development, servers, etc. Not to mention, Google is a business, and businesses need to make money.

In order to offer Gmail as a free service, it has to use targeted ads to generate revenue. The thought of Google "reading" our e-mails is unnerving, but the fact of the matter is its a program, not a person, and it is entirely opt-in.

Being an opt-in service, Google can do whatever it wants. Nobody is forcing you to use Gmail, and if you're uncomfortable with the idea of software analyzing your emails for keywords, you are free to use a different service.