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Ok, bit of a false alarm. Prompted by Curtis, I built my own testing keyboard and confirmed that it doesn’t get access to text unless it’s the active keyboard. 🤔
I say that because I have to assume Apple is smart enough to make sure keyboards can't run in the BG, and also can't insert gesture recognizers onto other keyboards. Otherwise there is no way for it to get the taps (isn't like the system tells the KB someone pressed “A”)
— Curtis Herbert (@parrots) April 23, 2020
The best I can figure is that something knew which store I was at (not difficult, particularly since I use Foursquare) and then, based on profiles of me, knew I’d probably be interested in particular meat snacks (likely correct!)