> But on a practical level, that's just wildly unlikely to ever happen or ever have an impact on a normal person's life, so why stress about it?
There are a number of ways to answer this.
This is the type of mentality that led to sudden surprise with "What? We have to take our shoes and belts off? Not just those guys but us?" It is an example of how ignoring the issues could end up having them affect you.
At the time of this writing, there are over 270 comments in this thread. I submit to you that it is very likely that multiple commenters have been directly impacted. I've known two people charged with bogus terrorism offenses. One of them stuck it out, had his day in court, and was acquitted - at the cost of over a million dollars in legal fees that his family had to pay. The other guy was not as wealthy and was presented with a fantastic deal by the prosecutors that he took the deal and pleaded guilty. He's out of prison now but with that record, his life is ruined. And he very likely was not guilty.
Another guy I know was messed up by the government on similar grounds - it destroyed his livelihood and cost him his marriage. He did, however, manage to (mostly successfully) sue the government for what they did to him, although one of the suits went to the Supreme Court and he lost the case there. He didn't have the means to mount these lawsuits - thank heavens for the ACLU who did it on his behalf!
I know a few people who were on no fly lists for extensive periods of time. They were never accused of anything. Just all of a sudden ... could not fly.
My gentle suggestion is that you expand your social circle to get to know how not rare these things are.
I also submit that more people are directly impacted by this than are directly impacted by gun violence. Would you agree we should chill out about guns?
If you're white, you are a lot less likely to be impacted by police brutality than an African American. Would you argue that white people shouldn't be bothered by the issue?
Having said all that, I do agree to the utility of what you are saying. I tend to be more concerned with corporate surveillance than government surveillance, and have gone extended periods with primarily cash purchases and limited CC usage. I didn't get a smartphone for a long time for the same reasons (and oh boy, when I did the privacy loss was very palpable). And yes, I can say right now that I have discovered that the utility of using those devices and paying with CC definitely exceeds the risks - for me. I have automated flows tied to both and they are very valuable.
Still, though, the comment you are responding to is not discussing anything extreme. I've not installed GrapheneOS but I have installed custom ROMs like LineageOS. It's not a big burden. An hour of effort perhaps? The main down side was things like Netflix not letting me download episodes and the inability to use Google Wallet (which I didn't want to use anyway!)