You and I differ on digital literacy. To me it's the only way to ultimately solve this problem. It's not about educating people technically. See my paper on "Digital Self Defence as Civic Cyber-Security". Here in the UK we're taking that line (officially) at last. And starting young!
Before limiting peoples' options to corporate walled gardens on the assumption that "its safer" we can try actually scuring the products, hardware and OS is the foundation. Got to stop listening to the negative, defeatist voices who say "that's impossible".
And y'know there are laws against computer misuse. We ought to seriously try enforcing them, even if that means the inconvenient truth of exposing criminals with fancy brand names and logos. :)