

That’s… not how it works. A law firm rep (usually) just has to connect to the swarm and see what IPs are there. It matters not if you share, being in the swarm is enough for them to send your ISP a notice of infringement. So as others said, use protection.
My banking apps, I don’t feel comfortable spending money when I can’t see my accounts in real time. Had a bad experience with BoA when I was younger.