How does your picture get stolen along with credit card data? And isn't your phone quasi public information anyway? Nowadays, unless you have a very common name

How does your picture get stolen along with credit card data? And isn't your phone quasi public information anyway? Nowadays, unless you have a very common name, it's not that hard to find someone's details (picture, phone, ...) I've had my credit card "scammed" several times and I just fill in a piece of paper and the bank refunds me the money and each time it's cost me exactly zero euros. I've used Bitcoin a few times and love how it works, but my lack of understanding of the security precautions required to handle hot & cold wallets + the volatility of it makes me just averse to it. I prefer my credit card getting scammed anytime to the uncertainty of what will happen if I convert a large amount of euro to btc.