Here is a very interesting little essay. The study by McAfee it refers to is linked from the story, too, and I recommend reading it.
We seem to be entering some sort of new era, where evil lurks at every turn on the Internet and we, the users, can no longer behave as if our security product producers will shield us from the bad guys. They will not. They are merely aids to safety. Tools for us to use, if you will. We will have to educate ourselves a bit and work within the framework of best practices from now on, or we will become part of the problem. That is all there is too it.