There's a lot of different reasons why the malware problem is at it is. I do not want to get into a debate by the whole "Users Want to Use Stuff" is an obsolete model that is completely irrational given the current state of affairs. That is only the tip of the iceberg. Corporations get away with mind boggling negligence under current regulations and they just pass those costs onto you, the consumer, and to taxpayers.
For every $1 loss due a breach, society is going to pay back $1.25 to $2.00+ in aggregate through all the various "channels" such as passing the expense onto consumers with a price increase. This security and economic model is more than unsustainable. It is insane.