I don't think that's entirely true. If an acquaintance used your laptop in front of you to hack into a bank, you might be responsible. But if Microsoft automa

I don't think that's entirely true. If an acquaintance used your laptop in front of you to hack into a bank, you might be responsible. But if Microsoft automatically downloaded BankHacker 3.11 to your machine and set it to pop up a dialogue box so that hacking into a bank was so simple your cat could do it — and if then your cat "used your laptop to hack into a bank", then common sense says that Microsoft would be responsible.