It's worse than that. Since modern systems are multi-layered and many of the layers are not even administered by the user, even users that followed advice given

It's worse than that. Since modern systems are multi-layered and many of the layers are not even administered by the user, even users that followed advice given are vulnerable to loss, so for folks trying to make an economic trade-off in terms of time and hassle, it's all just a crap shoot. Do some stuff that you feel might be reasonable, like install Norton or something, come up with a password that includes both your name and your ssn, then wear gloves when you click on pron sites. It's really quite ludicrous the situation we put the average user in. There are folks who spend hundreds of hours worrying about security and still get taken to the cleaners. What chance does Joe Sixpack really have?