There of course is an element of risk in everything we do. But the element of risk varies significantly from one act to another. Getting sarcastic about it is not the answer.
The reality is that Internet commerce is relatively new and the risk of fraud is higher. Computer networks DO make it easy for thieves for a variety of reasons. The necessary protection features aren't as strong as they need to be, and the criminals are working very hard to defeat them. (Thieves steal in traditional ways, too, but the computer gives many advantages in using stolen stuff.)
Personal privacy is not something to take lightly either. We used to joke about threats our school teachers made about our "permanent record", knowing that record would be buried in file cabinet never ever to see the light of day. Not true today. We ALL have very long and detailed "permanent records" we are not aware of stored and processed by people we don't know. The information and secret processing of these records will impact whether we can get a job or not or how much we'll pay for things like insurance, rent, and mortgages. This is just the _legal_ side of it. The illegal side of it can go much worse.