Sure, no disagreement there. But I'll note that those institutions all have the liberty (with the exception of specific legal constraints like Title VII) to refrain from providing service to any of the categories you described. In fact, quite a few companies won't hire ex-felons; there's no law requiring them to do so at the federal level. And a recent Supreme Court case indicated that nothing in the law stops a bakery from refusing to make a wedding cake for a gay couple.

These are sliding scales of "how much do I care about the metadata on my customers," and most companies find it optimal to set the scales nearly to zero to maximize revenue. That's not a universal truism.