Every year these users are getting smaller and smaller. There will come a day when all users of the world will install anti-virus programs on their smartphones and PCs.
It's about some categories of users who do not install antivirus software, because this is not necessary.
If a user accomplishes money transactions using his PC or smartphone, then he understands at least a little how computers work. Therefore, it is unlikely that such people will leave their PCs without protection.