Here's the text of the fourth amendment. Could you explain how "scope" and "incentives" are relevant distinguishing factors under that?

"The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized."

As relevant here, there's two pieces. The threshold requirement is some sort of ownership. The right exists with respect to "their persons, houses, papers, and effects." Assuming digital data constitutes "papers," the accused has to show that it's "their" papers. The hypothetical you're responding to compares the bank's camera footage with the cell phone company's location information. Those seem indistinguishable for that prong.

You have a reasonable argument that "scope" and "incentives" are relevant to the second prong of what's "unreasonable." But you don't get there if you don't get past the first prong, right?