But think about the Anthem breech just this year. SSNs, full name, date of birth, employer and yearly income, home address. Everything you need to ruin someone's life for real, and permanently. Having to have a credit card replaced is an inconvenience. Having to constantly watch your credit because everything an attacker needs to open a new credit card in your name is ruin.

Beyond that though, little inconveniences add up. How many times do you want to have to replace your credit card in a year? And if you have an auto-payment set up but miss changing your card number for that, how much will missing that payment impact your credit score? And how many hours are you spending fighting fraudulent charges? How many years of your life are taken off by the stress of constant breaches?

Life ruining? Probably not. Life-changing? Yeah, it's getting there.