personally i NEVER use wifi on my phone. its turned permanently off.
when a phones wifi is on it will check in with any wifi signal it can. whether you want it to or not.
i treat any wifi network as compromised.
Valid point and wifi can definitely be sketchy but this was with the latest xfinity router and a non-default password. I am not a wifi hacking expert but I think you need proximity to the wifi in order to hack it. This was in the suburbs with zero foot or car traffic and there might have been two houses in wifi range. The chance that one of those houses had some hacker in it sniffing packets at 8:30 on a Sunday morning seems very very low.
Im much aware about snipping out Wifi but bypassing the router without having that default password or lets say that it is a string of alpha numeric then its really hard to
hack someones internet or router this is why i do ruled out the possibility unless if someone do really knows your password then its really a game over thing.
When accessing some sensitive information in my mobile then i do just simply make use of my own date than on accessing public wifi's anywhere.