WWW has been around for 20 years. But it's only recently that people have always on cable modems and active content.
> without educating themselves about their dangers first.
HN is full of stories of well funded, international businesses, with considerable sums of cash at risk, who do stupid insecure things. If they can't get it right why should Joe Sixpack be expected to do any better?
Email inboxes are full of hoaxes about supposed dangers - most of them are garbage.
I'm interested to see what kind of help there is for people who want to learn how to protect themselves on the Internet.
(http://www.usa.gov/Citizen/Topics/Internet-Fraud.shtml)
That site has comprehensive information. It's lousy. Look how much stuff people have to wade through.