If you have UAC disabled, you are really compromising security on your system - which can lead to things like you saw above.
I appreciate your concern, but I really don't need an OS to babysit me while I'm behind my PC. I have ran without any protection on my systems for years in the past, without getting an infection one way or another. I know because I did run scanners every once in a while, AV scanners, malware/spyware scanners, rootkit scanners. Just not real time protection.
The bitcoin miner happened when I downloaded something that shouldn't have an executable. I wanted to delete it and pressed DEL-ENTER, except that it didn't pick up the DEL key, so I accidently ran it (and it didn't trigger UAC). The process died almost immediately and I started checking things out. I didn't find anything at first but then I heard my videocard fans spin up and go back down again. I opened GPU-Z to monitor GPU usage, and saw it was at like 30%, so fans wouldn't jump on continually but enough for me to notice. This thing usually comes with a rootkit that brings it all back but that was probably the process that died; it was supposed to hide itself in intel sata drivers.
Now that wouldn't have happened if hadn't ran those scripts to disable zone security and open file security warnings. But here's the thing: it took me maybe 10 or 20 minutes to clean my system but those warnings and dialog boxes annoy me dozens of times a day year after year. To me that annoyance is infinitely more bigger than the 10 minutes of work I had cleaning my system - which was actually fun for a change - chasing and undoing something someone intended to be stealthy and all - sad I know.
Security starts with the user. Software is complementary.
Well if you aren't flexible to change, but continue to upgrade your operating system, that's likely to keep getting worse for you.
Probably, but not because I'm not flexible - On the contrary. I welcome changes that are actual improvements and I'll happily and eagerly learn and work with them. What I have a problem with are things that don't change for the good; things that annoy me more than they help me are among those things. Stuff that hurt usability like the new start page that doesn't allow me to multitask properly. It's actually
that that is not flexible, not me.