The model is that as users become more comfortable on the site, they eventually browse to the more dangerous categories and download programs/games/cracks/etc...
I wrote a blog post about a deep dive I did on one site, and showed that the admins were seeding malware in program downloads.
Suffice to say, when I reported the admins, other admins banned my account on the site and IP blocked me.
I actually ended up taking the blog post down because they started attacking my domain, and even Google blacklisted my domain because I had snippets of the malware code posted (I guess I should have used images instead of code). I was younger and just tinkering with security research anyway.