the world didn't collapse because the world is not using laptops/desktops as dominant computers for many many years.
Ordinary people use phones. Anyone using laptop is to a degree professional especially in any third world country. Somebody who mostly abandoned using laptop literally yesterday told me "I got a new laptop from work but I'll just get a virus in a week won't I". This is the adversarial reality the rose-eyed takes about freedom of computing are contending with. Maybe most of them live in the past when computers were used by tech literate and blackhat hacking was in intancy.
Yes and infected Xcode and various SDKs you get on your laptop are actually the biggest threat to iOS security (other than just literally malicious devs). Devs torrenting an xcode and then infecting their users is a thing.
> Smartphones were not main device 10 years ago and people did bank transfers on laptop and world didn't collapse 10 years ago
See blackhats in infancy part...
Would it happen as often if the tooling was free?
Xcode is free
1) apps still notarised so if app later detected to be malicious it can be remotely uninstalled
2) if it's you grandma/grandpa phone - allow to setup iphone as more limited parental control that only other from family can install apps
3) do automatic apps scanning before installation to detect app is malicious - revoke developer certificate in this case or ask them for clarification