You don't have to be up to things nefarious to be concerned about privacy online. Merely attempting to do your banking via an open wifi hotspot or send/receive personal email on your phone or laptop a...
If you think Verizon and Comcast and Charter aren't selling your data, well Hello Pollyanna.
+1 on Protonmail. Have used them since when they were in beta.
If you don't want to worry about your data and are willing to fool with it when/if problems arise, then by all means do so. Others of us try to minimize our exposure so as to minimize problems. Nothing wrong with doing it either way- just go in with your eyes open and know the risks.
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