I challenge you to quote me saying I don't order takeout.

Furthermore, many people use debit cards backed by an actual bank account and the vast majority of people can't afford to have those drained in any meaningful fashion without experiencing some severe consequences.

And thirdly, when the equifax breach happened I didn't bother doing anything. Why? Because I do NOT have the attitude that it's ok to be defrauded of money since someone else will pay for it. There was nothing for them to go after.