Sounds great, but... (Score 5, Insightful)

Yeah it would be great if it were "every man for himself" and everyone made sure to protect themselves. However, that idea went out the window when the internet became main-stream. If everyone that used the internet were tech-savvy enough to protect themselves, this would be a non-issue. So do we need to tell all of the older people, children, and computer-idiots that use the internet that they're just out of luck since they don't understand the complications in using such an open medium? We could, but I don't think that's exactly fair.

To me, it's the equivalent of saying, "OK you're of age to drive on the nation's interstate system. So we're not going to put up any speed limits or signs/signals/regulatory devices. It's every man for himself... good luck."

Unfortunately, educating people isn't going to cut it. And I wish it was. I'm all for putting banks and anything related to finances on a more-secure, separate network. Unfortunately, we can't rely on end-users to protect themselves.