You are laughably naive as to the massive amount of data out there. You would be incredibly lucky if a data breach was only email address, username, password, first and last name. Add in mundane things like phone number and physical address. And in the data breaches that matter, they will get your credit card info or banking info, social security number, date of birth, security question answers, etc. With all of that info, there is a wealth of financial fraud they can and will commit in your name.
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