Because something bad has happened at some point to someone somewhere, you personally must take precautions against it happening to you?

Do you intend to modify your behavior, spending habits, or thought patterns to reduce the risk of catching mad cow disease? Oh, no? So you're saying mad cow disease doesn't exist?

But mad cow disease has a documented casualty count and data breaches do not. So actually, you're being irrational if you care about and take measures to mitigate the one but not the other.

Now that we've established that you are rationally obligated to mitigate the risk of mad cow disease, I have some guaranteed Definitely Not Placebo[^TM]-brand pills to sell you.

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If you find this counterargument spurious, absurd, or unfair, then I have a proposal for you: let's both agree that reduction to absurdity benefits no one, and try to talk reasonably in the middle ground between extremes.