One place I wish there was zero knowledge proofs involved, or even any kind of cryptography, is when you perform credit assessment for loans outside your bank: an external loan provide peeks at your full bank account history to assess whether you’re eligible. They don’t need to know where I buy my socks, or even how much money I have. Only that I have a big enough deposit and a steady enough cashflow.
This isnt a cryptographic problem really. The loan checker is already trusting your bank to give them the correct information, it's only a matter of anonymization (e.g., they could return merchant types instead of merchant names etc.,.) but theres no real incentive for this.
Where you spend can have an impact on a decision… e.g. you may have the income and savings but if you’re regularly spending on gambling that can be a red flag.
this is the example often cited as usecase for zkTLS protocols, which are protocols that use additional trust assumptions to notarize a connection you have with a TLS protected host, and then you can prove the notarization (i.e. a signature over the TLS transcript) in ZK as well as any parsing over request/response data.
