alt Hacker Newsyes this is my understanding as well, and based on [1] seems to be the case. I don't know why everyone is just believing the un-backed accusations of people probably just didn't turn off said setting (and if they did why have they not said anything to such effect)
> I don't know why everyone is just believing the un-backed accusations
Conspiratorial thinking is very common on these topics. Even bringing up the conspiracy theory about Instagram listening to your conversations and showing you related ads will bring up a surprising amount of people defending that idea on Hacker News.