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The ironic part is that the clients that don't need the looser payment terms (more time to pay the invoice) are the ones that get them

Kind of mirrors "it's expensive to be poor"

One (more) thing to opt out of:

Freeze Your Data - The Work Number
https://employees.theworknumber.com/employee-data-freeze

As I understand it, payroll whores your salary out to Equifax*, who then pimps it to others

* Yeah, that one: https://en.wikipedia.org/wiki/2017_Equifax_data_breach

Freeze Your Data | The Work Number

You can control access to your data by requesting a data freeze at any time, at no cost. This freeze means many verifiers will be unable to view your data from The Work Number.