Is This the End of Behavioral Targeting?

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As the saga continues between advertisers and the Federal Trade Commission regarding giving consumers the opportunity to opt out of behaviorally targeted advertising, one thing is for sure: the advertising will not stop, nor will the targeting. Behavioral targeting, while based on consumers’ past behaviors, is hardly the main digital gateway to consumer data.
 
Consider social media, where users voluntarily submit personal information (date of birth and phone number) to data management systems that are now marrying back-end data. This seemingly harmless practice of offering information affords advertisers the ability to not only target consumers based on the items they’re shopping for, but also hone in on a target based on their credit score.
 
That's right: the world of advanced targeting has come leaps and bounds from behavioral targeting, and continues to evolve as more dollars shift into the digital space. As a result, publishers and networks are trying to identify themselves with some sort of competitive advantage or insight that can allow them to vie for the available dollars. So, if this is the end of behavioral targeting, where does the blame lie?
 
Is it with advertisers who bombard the digital space with unnecessary, useless, lackluster ads that interrupt and clutter the user experience? Enforcing more restrictions on granular level targeting is only going to increase the influx of irrelevant ads on consumers (i.e., receiving an ad to complete my degree online, when my diploma already hangs on my wall).
 
Is it with publishers and websites, that open their doors to networks layering on vast amounts of targeting and selling, brokering, and re-brokering inventory on exchanges? This vast amount of inventory creates a maze of inventory identifiable by various non-personally identifiable, however, personal profile points…since I think credit score is considered personal....