> The true risk is social engineering scams...
Exactly. My grandma is very susceptible to phishing and social engineering, I don't want her scanning random QR codes that would lead to almost identical service to the one she would think she is on and end up with identity theft or the likes.
> Regularly change passwords: Frequent password changes were once common advice, but there is no evidence it reduces crime, and it often leads to weaker passwords and reuse across accounts.
Database leaks happen all the time.