"... and I can't see how the situation can be improved, at least for quite some time."
I can. But no one is going to listen to either of us, so what does it matter.
Here is how I would start to improve the situation.
Disconnect untrusted computers from the internet.
In other words the only computer that is allowed to access the internet directly is a computer that has all the properties desired for adequate security. Those properties could be things like the hardware being repairable, having an open BIOS and the bootloader and OS being open source and able to be compiled from source by the user easily. Call this computer a "gateway" if you like, or call it a "firewall", or call it whatever you want to call it. The esential point is that it is the one computer you believe you can best understand and control.
I would be willing to bet any amount of money that just disconnecting all Windows computers from the internet, i.e., no direct connection, would result in a dramatic drop in security problems.
Keyloggers are not very useful on a mass scale if they cannot transfer the keystrokes over the internet.
There was a time when not all computers had unfettered direct access to the internet. They worked just fine. Maybe even better than ones today that are incessantly trying to connect to some server.