No matter how secure YOU are the business you shop at bank with or have any transaction with will be a target of hackers they get millions of individual accounts such as Target, Home Depot or any site that clears your CC information is more at risk than the individual. You have no control
Using an open WIFI is normally a one one attract and yes there are many bad actors praying on open WiFi's you just never know until it is to late. You have some level of control use it or....
V{N is point to point encrypted and better than not having it but nothing is totally secure on the internet.