Family helps Family for free. It's called being related, not being retarded. I'm pretty sure your parents spent more raising your arrogant little behind than you could ever repay by doing the occasional reformat.
There's "helping", and then there's enabling. For example, I need to deal with a reformat/re-install about once a year for my mother. No biggy: she does pretty well, but just can't keep up with new threats, and simply isn't perfect. That's what family is for.
On the other hand, I refuse to help one of my cousins anymore, because he refused to follow my basic advice on being safe - he insists on using IE and Outlook Express, he disables his AV to "make installs go faster", he declines AV updates, he refuses to run without admin rights, etc.. If I keep bailing him out for free, I'm not helping anymore.
See, you can't eat your cake and still have it. If you really value me as family, you'll respect my skills and my advice, and you'll show it by trying to make it as unnecessary as possible for me to have to help you. If you refuse to do anything to make my life easier, you show that you don't respect my skills, so why should I waste them on you?