How much would this leak go for in the darknet?
Lots of crimes are not "worth it". And yet criminals do it anyway. Because criminals (nor most humans) are not perfectly rational.
There's routinely reports where people try to rob a gas station with a loaded gun - a $200 haul if everything goes perfect. It doesn't and now they have 10 years in jail...
If you’re a felon and unskilled you’re as desperate as it gets in America.
I would strongly argue that almost all crime is irrationally - take it to the game theory strategies of tit-for-tat and such.
No wonder PII keeps getting leaked and sold all the time...