Probably because software can be adjusted at any time on the fly. Especially web applications. Little incentive to get it right from the start and big incentives to keep meddling with what's already working. The bike shop's quality might also deteriorate if it could instantly rollout patches to all customers after the purchase.
The incentives change if there's legal repercussions to leaking data. Data breaches can lead to impacts on personal safety and finances, but I think some crisis or serious incident needs to happen before the average person realises this and makes this a big enough political issue.