If we're earning already and we can avail to buy the software that we have to use, subscribe to them and pay the amount because it's also a help to the developers of it and the same goes if you want to avail some anti virus.
I'm more than happy to pay for apps if the price is reasonable. If they ask for $100/month just for personal use, then it's no surprise if people resort to piracy. But yeah, I do agree that you should be careful and avoid downloading cracked apps without any preparation, especially if you're dealing with crypto or anything sensitive. I believe there was another report saying that some scammers also tried to attack a 2FA authentication method with phishing and social engineering and found some success already.