Analogy time: Imagine homes with no Circuit Breakers. Any short circuit anywhere could burn down a house. Lawyers and lawmakers arrive on the scene and declare that everything you want to plug in needs to be short proof. Every product has to be certified not to burn down houses, no matter what failure happens. The designers of even a simple lamp can end up being charged with murder, and as a result nobody really wants to use electricity.
We have circuit breakers, which limit the amount of current to be supplied to an appliance. If you have a special big appliance, like an air conditioner, you have to use a special circuit to supply it with power. Circuit breakers serve to limit the side effects that are possible when you use electricity.
There is no analogous circuit breaker in our widely used operating systems. When you run an application as a user, ALL of your authority is given to the program, and you have to just hope that it does the right thing. There are systems which do place limits on the side effects of a program when you run them, and they are even user friendly and fairly easy to understand.
It's up to us to start to use operating systems that have the ability to limit the side-effects of programs. One example is the Genode project. There is also the perennially late GNU Hurd