You just have to be careful. Get good virus protection, stay off... questionable sites. The way you speak, you either seem VERY paranoid or just quite under protected and perhaps a very frequent visitor of questionable sites.
I steer clear of questionable sites and downloads, have a pretty good junk mail folder (which is often full of "WoW account issue" and "Runescape account issue (don't even have a Runescape account!) and I have yet to be hacked in WoW, GW2, LoL, or any other game I play. Even my ancient neopets account is safe, and all of them use the exact same email I made 13 years ago.
Just have to be wise; a little internet savvy goes a long way in protecting your stuff.
I will agree that Anet should have authenticators as an option, however. I just don't think it is as big of a deal as you seem to believe it is. You shouldn't live in constant fear that, because you lack an authenticator, that hackers are going to emerge from the darkness of the internet and hound you, especially if, as I mentioned earlier, you've got your virus protection and you stay away from questionable sites and downloads.