Probagilities and downsides
When wireless first came out I made a fair living installing wireless in home PC's.
To demonstrate why I was worth my fee I would hack into nearby wireless networks using tools freely downloadable from the Net. The first place to go would be the neighbor's Pictures folders which often contained compromising pix of his wife!
But if I was clever (and evil) enough I would have written a bot hacker which searched millions of accounts daily, looking for someone with money.
Why would a hacker think in terms of hourly rate when you can employ tools which work while you're sleeping?
The success of the Nigerian 416 scams show that the very rich are just as vulnerable as the rest of us.