I think the Gangster analogy is quite an interesting one, too. This thread, in this forum, is a bit like a thread on "walking alone in rough areas of town" posted in a forum for personal minders, security guards and police! Of course people here think private individuals are very silly in not having better and more expensive protection. The development, sale, and implementation of computer security is a large part of the job of a large proportion of those who post here.
The fact remains that just as people should (ideally) be able to walk home at night through a rough bit of town without getting robbed (and criticised for being stupid enough to get themselves robbed!), people should be able to buy a PC from their local PC supplier with a view to using the internet, turn on, and surf, without getting cyber-mugged. At least that's something to aim for.