I think malware is a significant threat because the mitigation, like antivirus software, hasn't evolved to a point to really mitigate the risk to a reasonable degree. ↗
It's actually a smarter crime because imagine if you rob a bank, or you're dealing drugs. If you get caught you're going to spend a lot of time in custody. But with hacking, it's much easier to commit the crime and the risk of punishment is slim to none. ↗
You can never protect yourself 100%. What you do is protect yourself as much as possible and mitigate risk to an acceptable degree. You can never remove all risk. ↗