I suppose privacy is a matter of opinion. I always assume the worst in how much of my pii is discoverable, but still trust to most people respecting my privacy and the amount of effort it would take to find out anything of interest being disproportionate to how insignificant I am, plus the fact that as an individual there is nothing about me for a snooper to be interested in, and take necessary precautions anyway, even if I don't have much faith in their effectiveness.
And to respond to a rather worrying part of your original post - you should never, ever, ever put things like bank details and pin numbers in emails - it's like sending it on a postcard! - Even if you are using a vpn (kudos to you) - who is controlling that, how much of your communications can they see? Suppose someone cracks the vpn? - there is always someone looking for weaknesses. I would be asking questions if I was sending such sensitive information by email.
As a market researcher I ask for people's opinions and encounter the whole spectrum of worry/non-worry about privacy, from people who won't even give their opinions because they think somehow it will lead back to them, to people who's lives are an open book and quite happy to tell me things they really shouldn't. Of course the data I collect is anonymous and encrypted, but a lot of people really have no clue...
What I have become convinced of is, if you really want to find out all about a specific person, it isn't hard.
Then there's the old saw about nothing to hide if you're not doing anything wrong, that some people like to trot out when these discussions arise. I don't care that I'm not doing anything wrong, I might still be doing something private! In fact I think I have a general right to privacy! And anyway I still want to hide my pii from criminals.
So my answer to your question is, yes and no, depending on how paranoid you are. The web is like the high street in that respect.
My 2p's worth.