"Apple don't monetise customers"
It is the degree that is import. If you have a commercial relationship with a business, it is in the best interest of the business to track your purchases, etc. so they can find products or services you might be interested in to sell you. And as a customer, the freebies and recommendations are nice. But where this should stop is at the business door. And it does not matter if the business is a mom-and-pop pet food store or Apple. Fraudbook offers targeted advertising and 'anonymous' user data to third parties. As along as Apple keeps the data internal, Cook is correct, Apple is only doing what any competently run business does: know your customers.