Windows used to be a sieve. The infection rates and general abuse Windows received went down by orders of magnitude once they added UAC and the default malware scanner/antivirus.
And they didn't need to lock down everything, completely.
The rest is an easy money grab from the OS vendors who obviously don't want to remain "dumb pipes".
Linux file permisdions are still kinda rubbish. Move a file from system A to system B and it's oner is no longer Rob, its now Bob because they have the same Id!