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Have I been pawned is really nice, but only includes confirmed data leaks. If you use other services like Google or Malwarebyte, they will tell you more leaks. I was involved with the MoveIt data leak from a financial institution recently, which basically leaked all the information that possibly can be partly/wholely used for identity theft. This didn't show up in HIBP. Fidelity Financial Life Insurance just leaked enough info via Infosys for another 30,000 customers with enough data for identity thefts recently.
In the US, it seems if somebody is able financially to aggregate all these sensitive data leaks, they probably can cause havocs to many people. These info often come from financial institutions, which you can't totally withhold or lie about your personal information.
And given that this info is relatively freely available, one's only protection is low probability of being chosen on random from a really long list of leaked accounts