[zepto]

Clearly false based on the observed incidence of malware, botnets, and fraud on Android. People in fact are not able to avoid these things.

You are not comparable to “Joe D user” if you know how to protect yourself against these things. He does not.

It actually is safe for most people to let their guard down with Apple’s store. A few counter examples show that it’s a moving target to keep it safe, but nothing more.