That's victim blaming. Companies are the ones who shaped this situation and they managed to because each intrinsically acts as a unified entity with a unified goal and a lot of power behind it. People may be many but have little to no individual power, and they don't act in any coordinated fashion.
Users accept this because they can't really imagine it differently. Many of them never saw it working any other way. And phones never had the same kind of flexibility and repairability that PCs offer so people unwittingly assume this is normal and not even give it a second though.
Not in any significant number certainly, there haven't been any wildly successful Android worms like we've seen on Windows even in recent years.
The nature of sitting behind NATs, implementation of modern exploit mitigations in even older versions of Android, the diversity of devices, installation only via a marketplace, sandboxing and being able to rapidly update apps like browsers and email clients that do interact with network services makes those big OS-level exploits almost entirely unimportant.
The Average Joe has limited reason to care even if they stop getting security updates.
This is just one exploit that can’t be patched by the app level and is dependent on the OEM.
https://threatpost.com/mediatek-bug-actively-exploited-andro...
They should, but they don't. Can be said about many aspects of our lives generally, humans are on average not that clever. Voting with wallet is something companies understand very well, I don't see any other fix (maybe EU could force them into something, till they find a way to skip it).