Everything you do a risk/reward equation, you just don't usually see it drawn out quite so starkly. Getting out of bed in the morning carries a risk that you'll trip and crack your head on the floor. Crossing a road carries a risk of being hit by a bus. Eating food carries a risk of choking on it. The same is true in computer security. The only truly secure computer is one you don't turn on, and even that carries some risk of an attacker breaking in and stealing the storage from it.

Whether you agree that the potential harms outweigh the benefits in this case or not those calculations are always happening, so yes, I guess you're right. That is society in a nutshell.