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Malwares are nasty applications, that can spy on you, use your computer as an attacker or encrypt your files and hold them on ransom.
The reason that malware exists, is because how the file system works. On Windows, everything can access everything. Of course, there are security measures, like needing administrator permissions to edit/delete a file, but they are exploitable.
If the malware is not using an exploit, nothing is there to stop a user from unknowingly clicking the yes button, when an application requests admin rights.
If we want to stop viruses, in the first place, we need to create a new file-sharing system.
Imagine, that every app has a partition, and only that app can access it.
Currently, when you download a Word document, you would go ahead, start up Word, go into the Downloads folder and open the file.
In the new file-sharing system, you would need to click "Send file to Word" in your browser, and the browser would create a copy of the file in a transfer-partition. Then, it would signal to Word, saying "Hey! Here's a file that I sent to you, copy it to your partition please!". After that, Word just copies the file to its own partition, signals "Ok! I'm done!", and then the browser deletes the file from the shared partition.
A little change in the interface, but a huge change in security.
The permission system would be a better UAC. The best way I can describe it is when you install an app on Android. It shows what permission the app wants, and you could choose to install it, or not to.
Replace "install" with "grant" and that's what I imagined.
Of course, there would be blacklisted permissions, that only kernel-level processes have access to, like accessing all of the partitions, modifying applications, etc.
Malwares are dangerous. We have the ways of defeating them. Why not do it?