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"But, when I talk to people in general, most seem to not worry because they “have nothing to hide”, and most are only worried about their passwords, banking apps and not much else."
Sounds like they have passwords and banking apps to hide, You should demand their bank account and credit card details to verify that they have made no illicit actions.
If they point out that they have no reason to trust you with that information, that's when you point out that police, government, or corporate groups are made out of people just like yourself. They might have some codes of conduct, or a vetting process, but it just takes one person malicious or careless enough for you to be severely impacted.
It's simpler actually, despite all the words the state still communicates a certain atmosphere of intimidation. When you submit something to the police, it's not because you consider it obviously right, it's because you obey their order.
So despite legalities being different, for privacy people still feel afraid to say that they'd hide something.
It's a matter of emotion. They are not afraid of you, but they are afraid of police. For some people this means that showing something to you is fine and to police not, for others (the majority) - the opposite. You won't hurt them, police may.
What if I also don’t worry about these and don’t store my banking information?
So you’re hiding your bank information?
Physically
Yeah cause corporations are going to steal money off my card. I'd have zero issues sharing that data if their water a reason.. I regularrly share steam/gamepass password. You people are insane with broken logic.