[problems]

Yeah, this is not an attack itself, just one of the most common post exploitation routes to easy profit. So common that if you have amateur people who try to pirate things, cheat at games or click on the big flashing red banner ad, they're almost certain to come across it and they're almost certain to have common accounts stolen.

Using even a separate password manager, even an integrated one like LastPass raises the bar beyond this extremely basic level and takes it from easy target to medium target, eliminating every common stealer malware I've seen. This definitely doesn't rule out targeted ones of course, like you say, on an objective level there doesn't seem to be much of a difference. At a practical level though based on what's in the wild for non targeted attacks, it's huge.