I think it was a long way here. Small elements added up to reach this point.

So I assume we either need an abrupt change that wakes people up. Like when someone has a death close experience, that changes him/her. But most of the times these come after its too late.

Or it will be a slow process to teach people the necessity of these.

For the money part, usually hyperinflation and losing everything is enough to learn, but this knowledge fades away with newer generation. History shows.

For privacy, I don't want to learn on my skin what happens if things go wrong.