No matter how informed or an expert you are, you could also be vulnerable, if not from your end, it could be from the device side or the manufacturers. That is why I say that since you are online, you are not 100% safe. Most experts know about not holding huge amount online, but they ignore it because of convenience or laziness. This industry is a respecter of no man.

_act- please correct your quote so that it can be clickable.