@DrewHew, @Usko Kyykka and @ AC 1500
Take it none of you are developers..
Cars break and have recalls, batteries explode and software has bugs. Fraid that's the way life is. Yes developers should focus quality, but at the same time users want a polished product at the lowest possible cost. Open source isn't perfect, bespoke has holes and closed-source also has bugs.
The difference is that I wouldn't remove the "DO NOT REMOVE" sticker on part of my car just because a mate says so or because I can download pirate films. I take my car to get serviced on a regular basis and should a recall come up I would take up the offer ASAP.
A lot of users don't really care about the concequences of installing free screensavers and smilies on their IM client as there is rarely any impact on them - the same cannot be said about the car example. (It's worth more than £400, I need it for my job and I can kill someone/myself if it's not well looked after.)
By introducing internet restricitions at the ISP level, such as blocking all outbound ports other than port 80 and 443, COMBINED with OEM's providing a PAPER guide to things such as setting up admin rights only to the parent (users for the rest), where to get an AV and how to check it's updated and in big letters warning admins NOT to install anything that's not trusted.
Otherwise, keep the education bit from OEM's AND ISP's but by default consumer internet packages should only allow ports 80 and 443 outbound to be opened. Anything else can be done via a control panel online.
With the above restrictions by ISP's, education by OEM's and ISP's plus the security improvements in Windows Vista and Windows 7 I reckon Internet hygiene in general will improve a fair amount.
I thank you.