You are lucky your family members, parents, grandparents, etc are so tech savvy that they all know how to avoid malware and scammers taking over their machines. Not everyone is so lucky. As a former IT manager, I can tell you even tech savvy colleagues would end up with infected machines, again and again. Mac OS is not lucrative enough to write malware for, but iOS certainly is. Get ready for App Store clones titled Appp Store and APP ST0RE with the same icon as the official store, haha. Even if they only fool 0.01%, this is a huge number of people.