Yep, but you fail to mention that the average home PC just isn't worth that effort... There are too many unsecured PC's to prey upon. Hackers just aren't going to waste their time breaking into your home PC to steal your photos or documents, or add your PC to their botnet.
Well that aint true what you are saying...hackers do have great intrest in "home" computers to mount a attack on corperate networks (Randsom attacks) and for easy creditcard details and such.
proxy internet attacks, botnet attacks, to spread virusses or malware just to name a few.
A unprotected home pc is worth a ton for a hacker.
On of my friends use to be a serious hacker and after a major scam he got caught by the police and did get some serious jailtime punishment.
Now he is one of the major network security experts at the interpol office (Den Haag) due to his great knowlegd and skills.
And you would be suprised how mutch worth a "home" pc to the serious hacker is.
Many people including network admins/operators and Ict organisations do not have a clue what is really out there.
Fact is that security programs are always a step behind (Or 2) when it comes to hackers and such.
14 years old Kids (Script kiddies) hack million dollar organisations networks like that without putting alot of effort in it.
Now imagin what a serious hacker could do?
Internet security is just as strong as its weakest link does allow it to be in this case a low protected server or home user...
This is not Rocket science or anything....these are the basic's of the internet.