Basically, you can install a pirated antivirus by an ordinary user who wants to get everything for free. And then it will be amazing why his personal data is stolen and who uses it!
As they say, the miser pays twice. If you do not want to pay for an anti-virus program, then do not complain anywhere that you are robbed by hackers.
Many people do not think about antiviruse untiil they get harked. People may spend a lot of money for games or casino but they will not spend money on antivirus.