From time to time you also must run cracks for the software you install.
LOL really? Either buy the software or install a free software alternative. Running an untrusted binary is something that you must not do if you want your computer to be secure.
Probably americans can buy all the software they want and it costs to them less than they spend on dinner in restourant. But for some people not so lucky to born in developed country and rich parents, the software costs are too high. For example MS Office Enterprise will cost me about 2 years of income. And none want to use inferior alternatives. Yes, I can use Open Office and I like OOo, but I also like to have both MS Office 2007 Enterprise and OOo on my computer. If OOo will have problems with some docs, I will use the MS Office with the sucky ribbon.
About untrusted binaries you got it right. But we sometimes need to use them. Not only cracks, some technical tools also. Good if they can be run in virtual enviroment like VMWare.
Easy, your BitcoinWalletProtect[tm] will warn you that a new unknown process is accessing your (hopefully smaller and secondary) wallet file and ask you to allow access!
The next wallet stealer version will either kill the wallet protector process or patch/bypass it. The Bitcoin running as server is another option. This is arms race, and smart people will always be few steps in lead.