Re: If you wander round the bad part of cybertown...
Maybe. But the point of this article is that if you wander round the good part of cybertown you may well get mugged, and there's not a lot you can do about it.
The bad side of cybertown is where poor quality malware is used to recruit botnets to send spam and the like. The users of that side of the web want stuff for free, so by definition have limited money, information that's barely worth stealing. And the malware is of an appropriate grade.
The sort of malware this research considers is made for high value targets, who as a general rule aren't torrenting grumble flicks, trading in bitcoins, or searching for J-law with her kit off. This would be launched through apparently innocent sites - watering hole attacks, for example. Or by targeting a weak link such as low paid employees working in accounts payable with a booby trapped PDF, or even suppliers with systems access (eg Home Depot, Target).