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Malware Authors Learn Market Segmentation From the Best
Earthquake Retrofit writes "The Register has a rather funny story about the Zeus botnet: 'The latest version of the Zeus do-it-yourself crimeware kit goes to great lengths to thwart would-be pirates by introducing a hardware-based product activation scheme similar to what's found in Microsoft Windows. ... They've also pushed out multiple flavors of the package that vary in price depending on the capabilities it offers. Just as Windows users can choose between the lower-priced Windows 7 Starter or the more costly Windows 7 Business, bot masters have multiple options for Zeus.'"
Plenty of virus scanners can pick up on dynamic executables (also called polymorphic). One problem you run in to is that you have to pass the scanner before you get to execute, so that means that even if your thing can really scramble itself upon execution, if they have info on the versions that are being distributed online, those can be blocked and you don't get a chance to change. However as a practical matter, your code is still there no matter what, has to be to run, and the advanced scanner can pick up on that. They also can perk up and look harder when you do uncommon things like self-modify and so on.
What it really comes down to though is that these kind of programs are going after low hanging fruit. The botnet authors aren't trying to bypass every defense, they just want to get a big net of infected PCs and there are plenty of choices with crap defense. Besides, the ones without defenses are ones more likely to not clean up the infection. If someone goes through the trouble to secure their system, they may also watch it and will notice problems if you infect it. That doesn't do you much good if they just clean it up after a couple hours. You want a system you can hang on to.