If you'd asked me in 2018 whether I was likely to be a victim of identity theft, I would have said no.
I used free credit monitoring. I had unique passwords and two-factor authentication on all my bank accounts and the email address that those accounts were linked to. I didn't keep any personal identifying information in my wallet other than my driver's license. I was tech-savvy and financially conscientious.
But after my wallet got stolen, it happened to me. It was a nightmare. And it could happen to you.