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There are many ways on how you can get malware, malware doesn't come from Steam site. You could easily wonder off/be lured into a site that has a misspelled name of steam such as staem and you log on with your details thinking you're logging in on official steam site and BANG your account is now compromised. You can get malware by going on dodgy sites, it's nothing to do with Steam.
Make up your mind is Steam 'stealing' your money or not taking it
Because it cant be BOTH
Also create a Steam Support account and submit a ticket regarding the situation. Steam is a secure site but your PC is not safeguarded.