to operate their machine in a safe manner. When I used to deal with customers on a software support line at a very expensive premium rate I often encountered grumbles, to which I would respond with the analogy that you do not get free driving lessons when you purchase a new car, so why should you get free -personal-instruction with a new computer?
I think there should be more information made available to users on the dangers of internet useage. Whether that should be in the form of government information film type releases paid for by taxation (eg. drink driving, or non smoking etc), more detailed instruction from the computer manufacturers or an advertising campaign from the software vendors is another matter.
A government policy of more rigourous pursuit and punishment of those perpetrators of online crime might also help. And in this case I would like government policy to actually mean DOING something instead of just using lots of feely happy words.
But ultimately I believe it IS up to the induhvidual to operate and maintain their machine in a safe manner. And maybe even prosecute them if a third party suffers financial loss because of their negligence. Just like a car. And if it is a result of a hole in the OS being breached then maybe the OS vendor could be jointly liable as well.