Sadly the vast majority won't realize they not only deserve it, but need it, until it's too late.

The best time to use a custom domain name under your control for personal email was when you first started corresponding via email. The second best time is now.

And a phone number, and a bank account/CC number (so that you won't get escalatingly locked out of stuff because your direct debits fail. Don't ever use N26, kids.)

But N26 is (allegedly) the only bank you can use without your government paperwork proving you live at an address which you have to rent using your bank account.