The hackers are much more likely to set up a phony wifi network that looks like a Starbucks or McDonalds but is really their mobile hotspot. They then look for traffic (packet sniffing) that they can easily read, notably web browsing and email. Basically they are looking for low hanging fruit. Any encrypted traffic is going to be far to much trouble to bother with, unless they know you're worth a lot and that you do your banking with SunTrust. Basically, never use e-mail for anything confidential, and be cautious with internet browsing. Using a banking app is far safer than using a banking web page. If you are worth millions you might want to refrain from ever doing finances wirelessly and wait until you are home connected to a wired network. Frankly, hacking the wifi coming from a $2M house strikes me as a more profitable endeavor than posing as a public wifi hoping to get a Paypal password.
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