I refuse to put my data in the “cloud”. I also don’t purposely give myself access to my home network from outside. I’m sure someone could break in if they were smart enough; I took some basic precautions but nothing serious.
I don’t do a computer budget, so my financial records aren’t really on my system, so they’d mostly be hacking my kids’ book reports and our extensive collection of family vacation photos and videos.
Anyone who accesses their bank account, brokerage account or uses a credit card over the Internet is also at risk.
The real trick is to never put unencrypted data "in the cloud". For instance, any remote backups should be encrypted _before_ they start streaming out onto some internet endpoint.