Someone can not simply “install a keylogger” on any device. As log as they don’t have access to the device,/you’re good. They might have acces to your bank account though so they know which bank notes have been taken out of the bank by their ID. That ID can be prfectly traced if you buy in a store as that store just puts the notes back into a bank. Idk why it’s so hard for you to understand that physical access to anything is a horror for anonymity. Our devices allow us to be at any place in the world and you decide to go to an ATM and your local supermarket. It’s not just easier and quicker, it’s also not tracable.