Is Windows inherently more vulnerable to malware attacks than OS X 3373
Yes. This is about what you do to protect your computer, not what hackers do to break into it.
If the hacker can create services, it's All Over; he's got administrator access, and that's enough to rewrite the OS itself.
If he can do that, he doesn't *need* any services.
snip
The hacker will, perhaps, try to take control of one of these services through Nefarious Skullduggery.
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If he succeeds and obtains complete control of a service, what then?
If that service is running as SYSTEM, then he can take complete control of your machine; it's all over.
If that service is running as Network Service or Local Service or some other limited account, then he still has way to go. He can do some things (ie, maybe he can set up a spambot) but not others (ie, maybe he can't steal your data).
He needs a further exploit to complete the task and take over the whole machine.
That's why fine-grained security is considered a Good Thing. That's why it is good that MS supports this stuff, but not so good that they don't use it themselves more aggressively.