Of course not. There is a market for investing very little for some cheap malware and then putting it out there, waiting for the small amount of people (out of a billion of desptop users) falling for it. Also you go for the weakest link in defense, so scamming random desktop users is rarely a technical feat. It usually exploits the human, not the system.

But we also all know how money is actually distributed. So millions of random users being scammed for some money is still not the high reward scenario a server is. Much more work is invested there because the rewards are so much higher. And yet even then you often target people as the weak link. System security for a company is mainly user security. Teaching them to not fall for for scams as an entry way to the system. And there are a lot of professionals that basically made this their own social science of how I convey those things the best, how I enforce and regularly refresh those lessons, how to make people stick to best practices.

Are you trying to tell me this all happens in parallel to a technical server structure that actually isn't that safe but rarely exploited because nobody could be bothered to check for vulnerabilities as it's just Linux and the adoption rate is low?