This…is an interesting perspective. I like your style @Turkwrks 
. (Welcome to the Community by the way). Its a neat concept. My question is , what would the fiduciary representative be doing with said online data? Consumer protections → yes! This idea of a bigger dog is new to me and is making my gears turn. I love it. To get more informed about how data is used I highly, highly recommend Weapons of Math Destruction. Maybe that will help you flesh out this cool idea.
https://community.humanetech.com/t/humane-technology-reading-lists/21/133?u=siddhi
In the mean time, take a gander on the introductions page and add your own post! We would love to get to know you! 
Outside of the ordinary/established thinking is what is going to push this movement forward!
Catch you on the flip side,
Siddhi