Meltdown & Spectre Intel CPUs

[Gigamaxx]

Does anybody know some realworld examples/dangers of Spectre and Meltdown ?
Would the hacker have to attack my PC personaly or would it be a global attack program ?

Let's say I don't really care about it, then posibly (and all the owners of older systems even have no choise):

-When I do a payment there is more money of my account... ?
(Isn't the bank assured against this kind of theft ?)
-All my purchases on any fruity "store" can be stolen/lost or copied... ?
-Someone could steal all my accounts and make averybody mad at me because for what I dind't post myself... ?

I'm just curious of why the FEAR must be spread amongst everybody.
There were always robbers and there wil allways be....
Or maybe i't a convenient way to have everybody buy new hardware to be "safe", so everybodies money was stolen legally ?
It would be a good commercial: New in store now, our latest blahblah, garanteed Spectre and Meltdown proof !
Just my 2 cents.
Don't believe me because I don't know what I am saying, I'm only speculating (no pun intended)!

It’s probably more likely they would attack a large servers and get personal data from sites like amazon, eBay etc...

The latest macOS HS 13.4 beta has been adding extra layers of kernel protections like the immutable kernel so we are pretty safe as long as we use updated versions of OS. The risk is using other sites and their security measures.