Practical security balances the cost of protection and the risk of loss, which is the cost of recovering from a loss times its probability. Usually the probability is fairly small (because the risk of punishment is high enough), and therefore the risk of loss is also small. When the risk is less than the cost of recovering, it's better to accept it as a cost of doing business (or a cost of daily living) than to pay for better security. People and credit card companies make these decisions every day. With computers, on the other hand, security is only a matter of software, which is cheap to manufacture, never wears out, and can't be attacked with drills or explosives.
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