Depending on whether or not one has bank accounts that can be accessed online, the Russians may be more than happy to wipe one's accounts clean, and to also open up - and then drain - new credit card accounts in one's name, provided they get enough personal details to open up such accounts.
I am insured for that, and with the exception of local utilities, I buy through paypal. and I have a credit stop in place = no cards possible except the one I have. And the one I have is a debit card, not attached to my main accounts. Other than that one card to bounce the paypal through for online orders, I am all cash.
And I don't do phone apps to speak of - certainly not anything other than vendor stuff. Vendors I always do business with.
Besides, you can't get blood from a turnip.
