Then you're lacking fantasy.

For example, I'd not be happy having my voice auto-transcribed by some malware as I authenticate to my bank providing my SSN etc (which as an authentication method is of course horribly insecure, but that's a different discussion).

Of course, this will vary from person to person, but as mentioned above, just being able to mechanically cover a camera when required makes it less of an issue for me.

I'm with you. I can recover from nudes of me being on the Internet. That night even help me filter out friends that aren't really friends.

If someone drains my accounts, I'm definitely screwed.