A PC isnt like a car or anything else we own. People use the car analogy a lot though, presumably because it too is a complex and expensive machine that can be used for so many things. A car can be used for going to work, going to the cinema, going on holiday, moving furniture, picking up a friend from the station etc. A computer can also be used for many diverse things.
But a computer is also flexible, and can be treated (and mistreated) in so many ways. What is really sad is that nobody has come up with a foolproof way of restoring your computer back to factory settings without losing something.
In microsoft's latest incarnation of its windows "OS", there's a facility to restore back to factory settings and "keep all your apps" but what it means by apps is the ones that nobody ever downloads off the "store". Other computers have complex restore options that people don't understand.
I once had a customer who managed to wipe everything off her HP computer because every time it booted, it had "press F12 for restore options" (or similar), and so she decided that it must want her to press F12. So she did. And when it said it'll restore your PC and wipe all the programs and data, she thought it meant something else. When people are that fucking stupid they really aren't going to prevent a cryptolocker infection, are they?
We have had customers infected with one of these crypto-style viruses, and every single one of them was a reasonably intelligent and careful person. They just had a momentary lapse, and that's all it takes.