People are simply not capable or willing to get knowledgeable enough about computers to know what is normal computer-behaviour, and hence are unable to detect when things out of the ordinary happens. Like the Fake UIs in the article.
The result is people always pressing "Yes", "Ok" and similar when confronted with a choice. This is the problem. No technological means can stop an attack based on this vector: people willingly opening up their machine.
Selling people anti-spyware and AV-software and telling them that it will keep them safe is fraud at best.