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. ↗
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. ↗
Homeowners and business owners across the country agreed to pay premiums, communities agreed to adopt building codes to mitigate flood dangers, and the Federal Government agreed to provide insurance coverage to policyholders after a disaster. ↗