See recent Lenovo issue. It isn't a user problem but an ecosystem problem starting with the OEMs and the general discovery and distribution of software.

I wouldn't be so confident. Most viruses now are pretty stable and silent. They don't crash your system and they don't eat up all your bandwidth. They'll get you when you log in to your banking website or they'll use you as part of an attack on someone else.

It's also a user problem on Macs--and really, it always had been. I use and like Macs but they've never been invulnerable.