First of all, I'm not a security expert, so keep that in mind...  

But AFAIK, the Meltdown and Spectre vulnerabilities are not likely to increase the existing risks for "personal wallets in our personal computers". If you have not applied any OS-level and browser-based updates/patches, there is some potential increased risk--e.g., if you happen to go to a site that has a browser exploit.

For vulnerabilities at the cloud level though, the risk concerns are currently less clear. Although most of the major cloud computing providers seem to have patched their systems, the depth of the Spectre vulnerability means there is potential for variant exploits to emerge going forward. And these types of vulnerabilities are perhaps most dangerous in a cloud environment.

Not sure if that answers your question, but hope it helps.