@tommi It depends on how you use the web. For simple users, the main attack vector that antivirus programs protect against downloading files and running them.
In the past, people would download untrusted executables, usually pirated software, and just run them. In the cloud era this doesn't happen anymore. Also, PDFs used to be more dangerous but now PDF viewers do sandboxing. If you have network sharing or other open protocols/ports on your computer more attack vectors open up, but "home" users who used to be the target audience of antivirus software don't do such things.
I wouldn't say antivirus business is exactly bullshit, people used to google "download ms office" and get some links and get infected, that was a valid problem. Today, we use websites for everything so whatever dangerous thing a website can do to your computer is sandboxed by the browser.