Gabadabs

Genuinely... you seem very out of touch. Your entire premise is incredibly ableist. You presume that anybody can do the things you're listing, but many of us are living with disabilities, and not everyone has had the opportunities you have had to have enough money to pay for a house, or to buy a car. A $2.5k car is ultimately, MUCH More expensive than buying a more expensive car, because you are getting one that's barely functional for that price. Once all my bills are out of the way, I take home $100 for all unnecessary expenses anyways, so it would take me years to save up for one of those pieces of junk.
You take for granted that you have the confidence and motivation to do things like, say, even apply to one of these homebuyers programs - but other people have to put in more effort just to get out of bed in the morning.
Check your goddamn privilege.

My dude it takes me hours to hype myself up to make a phone call, the things you're talking about simply aren't possible for a lot of us.

I'm not totally against all telemetry... but can they at least be transparent about when they use it, and exactly what they're collecting? It really could be as simple as just defaulting to asking the user.