> I don't see how an informed consumer can't avoid this.
So it's fine because less than 10% of all people can avoid it?
Take a step out of your tech-bubble for a moment (or maybe a bit longer, it's really educational).
A side-related example. Most people that aren't really into tech, as well as most people outside the age range of, say, 14-40, are completely unable to avoid accidentally installing browser toolbars. These are not dumb people. They know what toolbars are, how they get on their system, and what to look out for. Still, it happens. Because, oops. But they are unable to get rid of them, because even if they knew where to look, they wouldn't know which of the installed programs would be safe to remove.
That's just an example, because it's just something in particular I see all the time, right now. Shit that happens to otherwise really clever and smart people. And it's even worse when I see it happen to more vulnerable parts of the population.
This is the sort of thing that inspires whitehat hackers to do what they do. I recall that RSnake of the discontinued ha.ckers.org weblog, spoke about how this motivated him in the fight against XSS and other browser-based attacks, even if it was "just" about really silly misleading "social engineering trick" type of attacks that a smart (tech-smart) person would never fall for, but your mother or grandmother might!
So yeah, good for you. But really, this discussion isn't about you, do you really think the people in this thread are getting upset because they fear they themselves cannot avoid this? No, this bothers me because my mom is on Facebook and uses it on her mobile phone, my less-technical friends are on Facebook, the children that I teach and their definitely-not-technical parents are on Facebook!