I don't think these mass data breaches have anything to do with the security of an individual consumer account.

Something was left open and exposed in the central infrastructure for this to happen, or some kind of supply-chain exploit, or a key administrator account credential was phished.

I agree with you assessment. But if some of my PII was in that breach, which now joins the insane amount of other PII from past breaches, that just makes it that much harder to secure my accounts.

Regardless, I believe my point still stands. I want better options for security; I shouldn't need a better reason than it's where I keep all my money.