Treat every password as if it is already in such a file. Use a password manager to generate unique, random passwords for each site. Enable MFA everywhere. You cannot control breaches, but you can control your own exposure.
The ability to find these files relies on the power of search engine indexing. Google Dorking—using advanced search operators to find specific information—is the technique often implied by such queries. By searching for terms like inurl:log intext:password or variations thereof, attackers can locate exposed directories across the entire indexed web. urllogpasstxt top
"Top" lists often filter for high-value targets like banking portals, cryptocurrency exchanges, and premium streaming services. Treat every password as if it is already in such a file