[jgroszko]

I suppose it hasn't had mass real world consequences for folks yet, but the Equifax breach pretty much proves this?

[okmokmz]

Yes, the Equifax breach is one of the reasons I included "severe" as a qualifier. It has been demonstrated that even fairly serious breaches will be ignored by the general public. It needs to be something that makes people genuinely fear for the safety of their finances, possessions, and/or health