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Do you drive a doorless car?

A frame-less one?

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Yes, and it only has two wheels.
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Needing an armored car or protection from neighbours is specifically to guard against proximity based exploits and those are very unlikely threats to most people. FTP interception can be easily performed from anywhere in the world with a little bit of DNS poisoning and then perform a MITM attack (or even just alter the data in transit from a malicious wifi hotspot).

It costs approximately zero to use encryption and protect against the FTP exploits, so why continue to use FTP? There's literally no advantage and several possible disadvantages. Just relying on not being hacked before seems a foolish stance to me.

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If it's so easily done, then most FTP websites would be hacked every week. But hundreds of millions of people have FTP websites and never get hacked in decades.

I challenge you to select any FTP website of your choosing and make a tiny change to prove that you've hacked it and let me know here.

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