Do we need to have a digital access ? I’m just wondering why or if we should access SS 🧐

Plant your flag on all important accounts.
That is create your account in all the most important places before a malicious actor creates it for you and forever (or at least an inordinately long time) locks you out of being able to do so.
Never re-use passwords.
Use at least a 12-character complex password including upper-case, lower-case, digits, and 'special' characters such as punctuation marks.
Enable multifactor authentication (SMS or emailed secondary passwords at minimum)
NEVER give out your secondary password to ANYONE.
Change your password at least annually.

I’m fortunate to have not been cyber attacked so I guess I’ve become too complacent

and this is being mailed.

That almost anyone’s account could be created for them. That’s what you don’t want. Create it for yourself. Then it’s secure

I did. I still have to do it

I don't have much, I won't get attacked.
However, the business of cybercriminals doesn't care how much or how little you have.
Their automatic tools grind away 24/7 on every account they can find. When they crack one, they determine what best purpose to put it to. Be it stealing directly from you, locking you out and parking their money in it, using it to scam your friends, etc, etc.

The most important accounts are
Social Security
Medicare, or other health organisations
Insurance companies
Your Bank(s)
IRAs, 401Ks, savings accounts

In reality it's all of them. But those are the ones to do NOW.