
I am a "Technologist", a Technology enthusiast that is usually the one that is called should a major catastrophe strike an end user. My saga of computer rescues becomes a plot that is ever so thickening, if not only for the fact that's it's becoming incredibly easy for hackers and malicious code writers these days to invade personal property to find, seek, and destroy. Each year, virus and hacker threats increase, and in addition the damage trail left behind is something of a problem. Not to forget, a majority of "PC Panic" cases I've come across are often times the same common, "major" problem.
I keep hearing the line that "it shouldn't be the users' responsibility", since it also isn't a car driver's responsibility to keep his engine up-to-date and install modifications.
When you want to drive a car, you need to get a drivers' license. This it to make sure that the road is a reasonably safe place, with everybody driving on it having reasonable basic skills and knowledge.
At least over here in The Netherlands, cars are periodically checked after a certain age, to make sure they still comply to safety and environmental rules.
Also at least over here in The Netherlands, you're not allowed to plug just any phone into the nationwide net. They have to be approved by the telecom service.
Maybe you shouldn't be allowed to plug "just anything" into the internet anymore. It's like Dr. D said: Even if you are tech savvy and a "responsible netizen", you pay for the ignorance and/or irresponsibility of others.
There's a web site somewhere (too lazy to look it up) with a long explanation about why Windows machines "have no place on the net".