When I say "our", I mean the loose knit group of sysadmins, self proclaimed "computer people", hackers, phreakers, security experts, and government officials trying to quell the increasing lurch of botnets and malware that has gone on since the Eternal September.
Botnets get big because users don't know any better, users don't know better partly out of laziness, partly because they feel they can't know any better. I don't know of a single site I can point to and say "If you really give a shit about not getting your credit card data stolen, go here." Instead as far as I can tell the majority of users in this demographic have their needs "met" by fraudsters selling bogus antivirus packages and weird proprietary utilities.
If you want a computing environment that can survive open, it needs users who can use open.