You are quoting IT security news click-bait. The people on forums could have configured their wallets incorrectly or incorrectly exposed the address.google "my bitcoin disappeared from my wallet". now read the forums. there are literally thousands.
What you are referring to is not any evidence of what I asked. Please provide 5 reports from credible sources where a hack or malware on a consumer's local system is explicitly attributed to their finances being wiped out... as in their checking and savings accounts, 401K accounts and so on. If it is as you say it is, then you should have no trouble producing such reports.
Any quoted reports need to be from credible sources with rigorous journalistic fact checking. Forum and aggregator reports do not count as credible sources as there is no way to establish the veracity of what the parties are saying.
My claim about security software is accurate. A person that is penniless does have valuable personal data that can be stolen and used illicit financial gain that shall become the burden of the individual whose identity was stolen. Just because a person watches only Youtube does not mean that they're invulnerable to financial losses, either directly or indirectly.your quote actually undermines your position. if someone drives a 200 dollar rust bucket, then they don't have to lock their door when they park it. such a person will consider auto insurance a scam. heck, they can leave their bloody keys in the ignition and no one will steal it. now if you drive a Ferrari, your car would be gone in 10 minutes. people with skin in the game will have insurance. so if all you do online is watch youtube, you have nothing to steal and will have trouble understanding this conversation.