I think you missed my point. Having many more points where my data is stored increases exposure to a breach. I avoid every account at a store, online or on a physical stores computer unless I really need to. I avoid giving email addresses just to get 10% off a bill. I am not on Face Book etc. A reduced footprint. Cloud banks are targets.
Many years ago I had a hack related to comments to FR.
I have had a car broken into at the beach. I still go to the beach and FR.
I still go to the beach and FR.