Anonymity on the Bitcoin network depends heavily on our actions, so I would not recommend relying solely on the tools that can be used in the Bitcoin protocol. Before doing anything, think about what it might lead to in the future. Do not disclose that you own Bitcoin and do not link your wallets to your identity, and then the likelihood that someone will hunt for your savings will be minimal. The same applies to fiat money, but unlike extortion with fiat money, it is much easier for an attacker to hide with the obtained Bitcoin than with fiat money, including cash.
I do not understand how someone can link their wallet to their identity in real life? If someone really says in public in real life (I don't mean forum where you can be anonymous) that I own Bitcoins and this is my wallet, then this person is stupid. If you just say that you own Bitcoin, then no one will know your wallet unless that person works in an exchange that you use and has access to the all the data but majority of us here use Electrum, some of us exchange coins through decentralised exchanges.
In my country, lots of people no longer use cash and the security of online banking is really high if you want it to be. Banks also have good insurance for customers. Banks here are doing really well, two of local banks here have one of the best UI/UX designs in the world.
There are likely members who are transacting with their bitcoin, and they can transact directly onchain or maybe they use a lightning wallet.
I doubt that it is a good idea for guys to be getting scared away from transacting with bitcoin in the real world, when there are opportunities to do so. A lot of the power of bitcoin comes from being able to transact directly with other people and with no one being able to stop such transaction.
So even if their main storage of bitcoin might be kept separately and private, there could be situations where guys are either transacting with large transactions or guys might be using a wallet that has a high BTC balance, and even if the amount transacted might not be large, the balance of the change can be seen.. ... so if a guy might be buying some good or service worth a few hundred dollars, yet he is using a wallet with several thousand dollars, then the person who is engaged on the other side of the transaction may well see the change address...so it seems that some of us are suggesting to use wallets (or addresses) that have lower amounts of BTC contained in them or perhaps using lightning network, it might be more difficult to see the quantity of bitcoin in the originating wallet address.