Windows 8 is currently 0.32% of the user base according to this https://gs.statcounter.com/os-version-market-share/windows/desktop/worldwide How does that make it a non standard OS in the past but now standard?

People fear getting targeted by some hacker out of a 90's movie but this is not the reality today. Users are mainly phished and scammed today because that is what gets the most money with the least effort. I still have yet to hear of any campaigns to use exploits for individuals because sending out millions of fake ransom emails does the job better then actually compromising a user for a fraction of the work.

The other part of this that bugs me is the assumption of safety in new software, that is just not true. People need to backup things they care about and not assume everything they do online has no risks. Your best defence for say; online banking is to simply be vigilant and talk to your bank if something looks wrong. If you have a credit card it comes with insurance for this very reason.