I earn money so I don't need to use my freetime for things I don't want to do. For example I dont make my own fabric and sew my own clothes I buy them. So it is a trading, time (hopefully fun time) for money (work) and money for time (services and things). Money is pointless if I don't use it. Why spend time working if I won't use it to buy time? And sure Spotify profile me so they can recommend music that I may like and I am fine with that because that is how I find new music anyways. I don't use services like Google because of their tracking and always try to use a browser instead of apps if possible so I can use ublocker. It is always a priority thing you know. I could live outside the society (off grid, no tech) if I don't want to be tracked or I can let some services track me because it is a lot more convenient for me in the grand scale of things.

Sure, being infected may not be a big risk for some I am only generalizing it. I am not saying you will be infected because I don't know what sources you use I only said it is a risk. There are always malicious ppl and even trusted sources can be compromised and trusted companies with payed services. Just like it is a risk to jaywalk but it doesn't mean you always risk your life doing so. But some are too naive like you said.

Just to add I am not trying to convince you, I just like discussing topics and different perspectives. I wish you happiness too.