The dark net isn't as "wild" as you make it out to be. Release groups (hackers who upload the content) rely on their reputation and fame. Tracker sites where "consumers" discover content also have reputation systems, where "trusted" uploaders have special status visible to all. You know what you're getting and who it's coming from. If you run effective virus scanning on top of that, the risk of actual infection falls to near zero.

You're more likely to leak your banking details by installing a free browser extension.

> All it takes is one piece of malware to keylog your bank details, and it will cost you far more than all the software you pirated over your lifetime.

A quick web search says the median income worldwide is less than $1,000/month. Assuming retail game prices of about $50, a person would only have to pirate 20 games to break even, even if robbed a single month's income. Over an entire lifetime that person might save $10,000 by pirating.