I feel that the fewer bread crumbs I leave around the lower the likelihood of me having a problem. All of my local purchases, gas, groceries, pizza and so on, are cash and I only use the ATM at my local bank branch. I do shop online but only use one credit card and it has been used nefariously but each time the CC company has caught it and sent me an email asking if I made a purchase of something somewhere. Every time the charge has been eliminated and they send a new card. That hasn't happened in over two years now. I also check the statement, carefully, each month and watch for bogus charges, like $1.00 from someplace I've never heard of, in case someone is testing to see if the data they have will work. I only watch videos on YouTube, no account. I'm not a "twit" and don't use any of the other "popular" social platforms, they're all, basically, sewers anyway. My email is on a secured server that offers encryption if I want it as well and I use a VPN when on the internet to make it a little harder for tracking to be worthwhile.
In the mean time almost every one of my wife's co-workers, all heavy social media users and online banking and shopping fans, have been hacked pretty badly and it's cost some of them thousands not to mention the disaster of recovering from it. If you sew a million seeds you're bound to reap one potato. I severely limit the number of seeds I sew.
In terms of the "cloud", what happens when the sun comes out and the cloud evaporates? Then add in how many people can see that cloud. I keep my data to myself on local drives and local backups. Drives are cheap so having enough isn't much of a problem, at leasts compared to ten years ago plus I don't need an internet connection, another security problem, to retrieve that data.
All that said, I also know it's impossible in our connected world to stay completely off the radar. I just want to have the radar signature of a B1 bomber. The thing that bothers the heck out of me is that commercial services, banks, credit card companies, insurance companies, doctors, hospital, and the list goes on for paragraphs worth, can get breached and either announce it months or years after the fact or not even report it at all. Some of them don't even have rudimentary security or don't bother to keep it up to date since that costs money. They all do assure us that the security of our account information is their "highest" priority. I guess they take their cues from politicians.