You don't seem to know about modern finance or else you live in a country with very abnormal laws. In most of the world people have 0% liability for stolen credit card funds. Bank account transactions are reversible with a police report.
You say that as if it is bad? So, you would prefer to never get your money back than to get it back in a couple months? Okay, let's bring rationality back to this convo.
Yes, it can. Unless you are proposing that people should only run maidsafe on a live usb bootup from a clean install of an OS. If you run maidsafe in a virtualized container within a malware infected host system, then you are still at risk.
Instead of focusing on that and other trivialities, how about we move this discussion into a productive direction. Such as, how do we secure safecoins and maidsafe in a manner the average person can use? No need to take issue with predictions. Let's talk about how do we make safecoin actually SAFE.
There are most likely methods we can come up. For example, adopting some form of signing mechanism of transactions similar to systems like bitcoin use. That way you can have an actual secure method of using maidsafe day-to-day while having your safecoins secure.