well in the past it was also more easy to steal card credential with a marlware that infect an insecure desktop

i think the punishment is the same, the mentality it's even worse, and the possible infected computer can only grow, because there are more people using it, there are more non-tech savy people dealing with pc each day

i don't think we will see a progression here, besides all this can be avoided with a simple backup, so it's means that there will be always a certain % of negligence