Endless scrolling, plus the demise of forums and personal sites, is the main canal water I can think of in web 2.0.

Modern password sync stuff is either E2E encrypted or maintained by Google. Probably won't be hacked. If you don't own crypto you can probably fix it in the unlikely event it does.

Even if it does get hacked, they'd have to hack your phone or network to get past the 2FA on most important sites.

Making a payment online is insanely easy compared to analog methods. Hard to complain too much when you compare it to cash and checks. People used to literally balance checkbooks and some still call it a life skill. Online payments are like having a personal butler level of luxury.

Web1.0 aesthetics were pretty cool though, and the content was great.