[citation][nom]Vladislaus[/nom]In Vista and 7 even if we have administrative rights programs that we run haven't unless we give them.[/citation]
Actually in Win 7 by default you won't get a UAC prompt when Microsoft software tries to perform administrative tasks, or malware successfully pretending to be Microsoft software of course. Microsoft had to increase the attack surface of Windows 7 to make UAC less annoying because they didn't feel like refactoring their code base from the start with Vista like they should have (which would have reduced the number of popups).
UAC was a good concept but implemented badly on top of a bad design. Security is about design, not fancy features. Windows was not designed to be secure, so it needs patchwork.
Hopefully with the next iteration of Windows Microsoft at least goes the extra mile to enforce all software to require user permissions to perform administrative tasks, with a password, not a yes/no prompt (standard accounts are already like this, but Win 7 doesn't use them unless you create one). It should also require some effort to disable this password requirement, not just a few clicks. It would at least be on par with Linux in one area then.