But to remove that incentive you first need to stop punishing app companies for compromised user OSes from legal perspective.
Are you willing to absolve Google, Apple and Deutsche Bank from responsibility of damage that happens on compromised user OSes?
And this malware is largely based on open source code (Linux) that was originally developed on open, documented hardware, where the firmware boot loader did nothing more than load the first 512 bytes of your hard disk to address 0x7c00 and transfer complete control to it.
Yes, there were viruses that exploited this openness, but imagine if Linus Torvalds would have needed a cryptographic certificate from IBM or Microsoft to be allowed to run his own code! This is basically the situation we have today, and if you don't see how dystopian this is, I don't know what more to say.
I will never understand why such an overwhelming majority of people seem to just accept this. When frigging barcodes where introduced, there were widespread conspiracy theories about it being the Mark of the Beast -- ridiculous of course, but look at now where in some places you literally can't buy or sell without carrying around a device that is hostile to your interests. And soon it will be mandated by the state for everyone.
Google must be destroyed.