Imagine malware like Antivir Pro that would purposefully get your PC booted, and offer to unboot you if you called a 900 number or mailed cash to some address in Botswana. I'm still pissed off Windows 7 let that crap install and register itself as antivirus software, imagine if it got my whole account booted and I couldn't even connect to the Internet with another computer?
I think what we really need to do is license people to use the internet. Force people to learn about the dangers before we allow them to run-around willy nilly downloading every stupid wall-paper and poker program they come across. Seriously, the old adage is correct: "just when you make something idiot-proof, they build a better idiot". The idiocy of people is growing exponentially in the internet age.
My mother used to work at a small company. Their network kept getting infected with a virus, and they had to keep cleaning all the computers. The problem, it turned out, was that the owner of the company KEPT INSTALLING THE SAME VIRUS because she kept going back to the same website to re-install the same stupid application that got wiped-out when they cleaned the virus off her computer (it was some wallpaper or gaming app). The only thing that would have stopped this women would have been to take away her computer (and since she owned the company, good luck with that).
How about every time some spinster gets robbed of tens of thousands of dollars because of that nice man from Nigeria, or some innocent child gets solicited online by some pervert, all because they're too young/old, naive, and/or stupid to know there are dangerous people out there. If we licensed and educated these people, and set proper age limits for internet access (i.e. no kids under 14 without an adult), we could solve all these problems, and make the internet a better place for all of us. Instead, everyone is allowed access and we all suffer because of it.