For the same reason no computers come with a firewall installed in whitelisted-apps-only mode: because the average joe doesn't know enough about computers to make educated decisions about which programs to allow, etc.
Also, it really doesn't much matter what AV suite you use as long as you use something. AS studies have shown, none of them are 100% perfect and most are well under 90% detection rates but almost all of them have at least basic detection for the top few hundred nasty, active and in-the-wild malware. It's like recommending people not go into a warzone with kevlar and a flak jacket because you really should know not to walk where bullets are flying. Really? /rolleyes
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