Hacking schmacking, who has the time to worry?

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In the last week, I have received no fewer than four notifications of breaches into my digital world. One from PayPal - someone was trying to use my account- two bogus emails containing viruses from friends' accounts and one from ANZ bank in Australia telling me I needed to click on the link because my account was being hacked. I don't even have an account with ANZ.

And that was just a normal week.

Count how many times you have been phished, hacked, defrauded, Trojaned, wormed or just plain spammed in the last week or month. Did you act on it and immediately change your password or credit card details?

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I certainly didn't. It's become an annoyance, but not something we panic about or even necessarily get on the phone to customer service for. This of course might not be the wisest course of action, but we're so swamped with cyber infiltration, that reacting every time would well… take a lot of time.

You might remember the massive data breach suffered by Target exposing up to 70 million credit cards during the holiday season of 2013. The company's shares took a hit, going from about $63 to $56 in January 2014 alone as details continued to emerge, but subsequent breaches at companies such as Home Depot and Anthem barely moved the share price needle. And if large companies with deep pockets to cyber-barricade themselves can't keep out the evil-doers, then God help the average Joe and Jill!

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So what's the solution? Despite the convenience of debit/credit cards and online banking/shopping, I feel myself already avoiding online transactions where possible, preferring instead to send checks and use cash. But in many cases this simply isn't possible or practical. This is the modern, inter-connected world we live in, and it's porous. So we put up with the annoyance.

How I long for the days when spam was just pink slimy re-constituted meat.

Commentary by Mandy Drury, co-host of CNBC's "Power Lunch." Follow her on Twitter @MandyCNBC.