I also don’t have a WiFi password at home, if it matters. Of course, I don’t have Internet banking nor do I do much (if at all) money-related things with my phone, something tells me that makes me more secure than people who trust Apple and Google with their money (at least the local banks have to answer to the authorities).

What’s your employment specialty that makes you trust Apple and Google?

That something would be wrong. I can steal all your money with the information on the front of one of your checks.

Having a Wifi password is honestly pretty important unless you're remote enough that there's just no chance someone can access your network. Remember, unencrypted WiFi doesn't just mean that someone can access your network, but also that they can collect your traffic.