> I use a password manager to guarantee that I'm not sharing passwords between logins

This already makes your digital hygiene better than at least 70% of the population if not more. I don't have the link off the top of my head but I vaguely recall some survey or article put out by bitwarden that nearly 70% of folks re-use the same password for everything.

A surprising number of those little services do store passwords in plain text, and that's where the risk comes from. So you're right, you and anyone else remotely tech savvy that is smart enough to not re-use passwords is unlikely to face any real hardship over a data breach, but the rest of the population that puts in the same email and re-uses "password123" across every service gets into trouble.

As for anecdata about the hairdresser's cousin - my wife, before I met her, had nearly all of main online services compromised from a plain text password data breach because she also re-used the same email & pass everywhere. Netflix, spotify, her email, and amazon account all taken over and did have fraudulent purchases as a result. Now she has 2FA on everything and uses a password manager :) So I don't doubt that there are real people that suffer financial consequences from data breaches due to poor password hygiene.

Even knowing all of that though, I'd still put phishing as a much bigger threat than most data breaches.