'costing users a fortune'...it does not, all security can be had for nothing and is just as good as the paid for versions.
'prejudicing livelihoods, bank accounts'...this is very rare and you will be compensated in the unlikely event of your account being robbed. You have much more chance of your CC being skimmed whilst paying for petrol. If you lose a bundle of notes the chances of it being returned are slim, lose money on the net and you will be compensated fully, rapido.
'the absolute onus is put on us.,,,rubbish, this is not a nanny state. All it takes is an anti-virus (free), one or two spyware cleaners (free), a firewall if you are a home user and feel that you need one (free), and a file and programme cleaner such as Ccleaner (free). May I ask if you have ever distributed a new programme for no money? When you buy a car it is your responsibility to tax, insure and fill it with petrol (not free).
'financially or morally when the user gets zapped?'...utter piffle again. Connection prices are dropping all the time. The cost of a computer is also falling. My first computer cost £1750 6 years ago. A much, much higher specced model costs £399. I feel that you would only be satisfied if you were paid to use the net.
'most of the security is needed to counter holes in their OS'....there are over 300 million lines of code in an operating system. Even Linux gets well hammered. For home users this is nothing at all to worry about. Tales of hackers taking over home computers and viruses eating hard drives on home computers are apocryphal and reveal an unwarranted amount of paranoia.
I have rarely read such paranoia and ill-informed views. For the vast majority of users the internet is a fantastic, free resource. There are over 3 billion pages of information and it has opened uop a new world of communication. As with everything in life there is some onus on the user to use common sense and do a bit of work, even this is totally free unless the home user is desperate or paranoid enough to pay for security.
The vast majority of viruses and spyware can be easily removed and even the stubborn ones can be shifted withoput damage. I have neevr had a computer that I was unable to clean of any virus and spyware using free programmes. The majority of users experience only minor problems which can easily be rectified. There is also personal responsibility....you would not buy a car without taking driving lessons would you?