How: OSINT, zero days, database breaches, targeted phishing, etc etc… Really going to depend on the target. And yeah, most hacks require a mistake to happen somewhere… and there are always mistakes.
Tor is great, you just have to use it exclusively, and you have to ensure your home network is completely locked down and up to date with security patches.
I have a hard time seeing monero actually scale, but maybe it won’t go to zero. It’s not bitcoin though, and this post is about bitcoin.
Definitely didn’t say everything is going offline.