I can drain your bank accounts by hacking you, how is that not actual harm?
> and can be trivially be avoided
Leaving aside the argument about whether securing yourself is "trivial", that doesn't make it OK! If you leave your door unlocked, that doesn't mean it's OK for me to come in and steal your TV.
One would need to be extremely irresponsible in order to let themselves be hacked. I would consider it as a punishment and a lesson more than anything.
In any case, this does not directly cause harm in the real world - you would not be able to make money disappear out of your home for example.
> If you leave your door unlocked, that doesn't mean it's OK for me to come in and steal your TV.
It's only the combination of the two (virtual world + can be trivially be avoided) that makes it OK.
It is not trivial to secure digital systems. If anything, it’s far harder to ensure digital systems are secure, because of the number of moving parts. I can be fairly confident that if I pack my physical money into a safe, a vulnerability is not going to be discovered that allows an arbitrary person thousands of miles away to empty it without my knowledge. Quite the opposite is true of digital systems!
Breaking into people's homes is trivially easy.