I have the theory that piracy has plummeted because it is more and more dangerous to install software infected with malware on computers that you might also use

I have the theory that piracy has plummeted because it is more and more dangerous to install software infected with malware on computers that you might also use for buying with your credit card, entering your bank, etc. The last thing you want is the annoyance to have your computer cryptolocked just to skip paying a few bucks.