You've missed an entire class of users. Believe it or not there are people who know nothing. Literally. They don't understand that when they save their password

You've missed an entire class of users. Believe it or not there are people who know nothing. Literally. They don't understand that when they save their password it's stored on their disk. They don't understand what a disk is, and they don't understand what a file is. They don't have the luxury of even thinking "could I break it", they are completely oblivious to the risks or how any part of the system works. A computer is like a television to these people. A black-box appliance. I was baffled but there are people out there - not senior citizens but 20 year olds - that really don't understand or care to understand any of that stuff. It's a magic box to them. They have no idea chat histories are stored on disk even though they see them in MSN. The fact that they have logged in makes them think no one else can see them. Likewise the fact that their saved password is stored is over their head unless someone explains it to them. Not everyone has someone to tell them these things.