That money would have to come from somewhere, though, and that's the pockets of consumers. Do they, in general, care enough? Is the security of software worth enough to them to spend the extra money? You don't just get what you pay for; you get what you're willing to pay for. And does the consumer have the expertise to evaluate the costliness of the threat or the security of the software? For that matter, I doubt the majority of developers have that expertise.

You're not wrong about why it doesn't exist, but I'm not convinced the market conditions exist to rectify that.