An arbitrarily-complex passphrase of my choosing plus a fingerprint seem reasonable.
And when they do, we should hold them liable for any damage their actions have caused to others, just as we do with all those other tools. Yes, I think liability for allowing one's computer to become part of a botnet is a Good Idea™. Car crashes aren't accidents, and allowing one's computer to become infected isn't accidental either.
Of course if your car crashed because you were driving down a street that a criminal was standing on you'd probably take it back for being terrible.
Not in civilised countries.
> have extensive driving courses
That's what I'm arguing for. In this country the public pays for 12-13 years of education and subsidises another four; I'm arguing that among the subjects we should cover with that massive investment is 'don't be an idiot with computers,' much as we have drivers' ed.