People's files, accounts and whatever do not just fall into other people's hands, they are handed out, on silver platters made of bad choices.
While it is true that there are people that do this, it is also true that if you are the only one on a particular computer, only one in your accounts, then there has to be some error on your part that gives the hacker the in. It can be as simple as visiting a website(not often, that takes some skill) or not looking at a link, God forbid you download something, but it always comes back to the end user making some error.