Earlier quoted context omitted.
Because it only ruins the one person's life whose account got hacked. All the other users on the system are unaffected. Also, if it just ruins a user account, you can simply delete that user's $HOME and restore their account from backups. If it elevates to root, you have to reformat the system and reinstall the whole OS from scratch (and hope it didn't patch the BIOS and/or hard disk firmware), and then reinstall all…
What other users? Pretty much all today's systems, either personal or server, are single user.
Not everyone can afford a laptop per family member.