What is the threat model exactly? That someone will have access to Facebook's entire credit card DB to connect a random email to my real identity AND be able t

What is the threat model exactly? That someone will have access to Facebook's entire credit card DB to connect a random email to my real identity AND be able to hijack the cameras/microphone to spy on me? So basically a nation state or Facebook? I can't see a private hacker getting that sort of access nor bother to get me. I use it maybe an hour or two a week now (used to be way higher) and when I'm not using it it sits in a case in a closet. I dont see any value of getting images of my office and audio of an empty room. I'm really struggling to see how this affects my privacy. I dont even play multiplayer games where I'm ever talking.