There are two cases.

When you run a game, the game is allowed to monitor your input (up to some configuration), so you shouldn’t e.g. open a game and do online banking at the same time.

When the game installs a malicious software such that your input is monitored even when you’re not running the game, then you can only rely on the additional defense mechanism. However, this is similar to all other software.

It’s like gym membership or books. If everyone with gym membership would go regularly, the business won’t be profitable. Or if everyone only buys a new book after they finish what they have bought, the publishing industry would be in shambles.

These businesses play the probability game. They are actually just insurance by a different name.