The amount of people who will actually demand a lender to omit Equifax is also complete roundoff error and insignificant compared with political dealing etc.
Whatever it is, it’s just a fact of human behavior, and to understand the world around us, we ought to be honest about such facts and investigate how best to live in a world where such facts are true.
For instance, it might suggest that championing a grassroots boycott effort is a waste of time, and that perhaps putting that effort to lobby for laws by which these types of privacy breaches result in automatic prison time or high personal fines is a better option? Also not likely to succeed, but perhaps much more likely than asking rando consumers to not defect in their personal prisoner’s dilemma game with an unmoving corporate behemoth.