You do have to protect against cyber-criminals and potentially other nation state actors like Russia, China, Iran and North Korea. These groups do not control infrastructure (like FVEY) and have a harder time targeting you. BTW, this is why FVEY are so determined to keep China out of 5G networks (they don't want to share).
To gain access to your things, these attackers typically rely on phishing emails and social engineering attacks. They try to convince your bank or cellular provider, etc. that they are you and then do bad things with, or to, your accounts.
The best protection against this is 2FA (Yubikeys and TOTP) and process isolation. Run a reasonably secure operating system (such as Qubes) to isolate your digital life. Be sure to do your online banking in a qube of its own separate from your email qube and your random web browsing qube. And avoid phone or email based 2FA when you can.
That's about it. If you do that, you'll probably be fine.