Back to Internet Security
Let me start off by saying I have admiration for how Microsoft has dealt with security issues in the last decade regarding operating systems and Internet facing services, specifically for the 'vulnarable home users'.
The concept of a unified global network for the world as conceived for the future in the 1980's (yes I know it's older than that!), was done in such a rush and with a total belief of freedom (flower power effect) that it failed to examine the down side in the belief that humanity was inertly good.
Today we know this is not the case, as example, the fact that 'SPAM', 'Junk mail', is still a problem in the twenty first century is a clear sign all is far from well. Internet is currently the 'New Wild West' of the world! Another pointer is the fact that it has got so bad, that now even governments want to seize control of it, the French are (as always) aggressively undertaking steps to achieve this. Enough rambling, on with the business of good solid Internet practices.
Don't blame the creators or programmers of the Internet, they almost all have functionality and usability for you at heart and not evil, because security is for the cops...right? When is the last time you have tried to hack (steal information you should not be able to and then destroy) your own website, or asked 'trusted relation's (ethical hecker) to do so. If the answer is never (and you run on a (no) low budget open source platform, is it worth waiting until an external force does. No one I know enters the Internet with evil intent and therefore acts accordingly. Science has (all to often shown me) that for every action there is a reaction. Evil prevails on the Internet just the same and perhaps in more perverse ways than many care to comprehend or try to understand, extending from common Intenet 'street' criminals to global goverment driven exploits.