Now I'm mediocre at privacy lol

Like it was the default to find reasonably trustworthy sites and just give them all your billing info, and make accounts that had that tied to it. There was no clear alternative and it worked, plus I was unaware of how degenerate humanity was and was too trusting of just day to day people, because to me it's insanely obvious that to be honest is better and it was hard for me to fathom how much of a criminal or high time preference mindset a large fraction of people have, how little parents take responsibility for raising their kids to be decent people instead of traumatizing them and encouraging the worst in them, etc.