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It’s more about ethics than security. I’m an ethical consumer, which means I will not patronize unethical companies. Feeding data to Google is as good as feeding money to Google. Google is part of the fossil fuel industry (they are in partnership with Totaal oil and use AI to help Totaal find places to drill for oil). My objection to Google collecting data on me is less about cyberattack and more about not supporting a harmful force in the world.
I’m also ethically opposed closed-source software because I think it misplaces power. The worst kind of misplacement of power is to give it to tech giants who abuse their power and use it against consumers.
I’m also ethically opposed to software designs that make phones disposable and force the disposal of perfectly good hardware. I’ll buy a smartphone after that problem is fixed. #RightToRepair is still insufficient. There needs to be a rule that the moment a phone maker decides to stop supporting a device, they must do whatever necessary to ensure the platform (kernel + drivers + gui) are FOSS at that point of dropped support. I’ll wait for it. I can hold out as long as needed.
W.r.t. paranoia, street wise people and those with some infosec background always seem “paranoid” to normal people. And to us, normal people are cavalier because they needlessly share information without applying the rule of least privilege. Privilege should only be granted on an as-needed basis and that includes access to information. It’s unreasonable for banks to snoop on people arbitrarily without a warrant. It’s not just that the banks abuse the info, but the overcollection exposes everyone to exfiltration by criminals. That’s not fiction - it has happened. (Captial One via Amazon contractor, Equifax, several other banks including a bank breach I recently detected but have not reported yet). I have already been the victim of multiple data breaches even with some diligence to not be completely reckless.
Trusting banks with sensitive info is the least of the problems I describe & possibly not a show-stopper in itself. But taking everything together I remain baffled at the zombie masses endorsing & supporting all of it. A basic information security class should perhaps become part of the mandatory secondary school cirriculums at this point.