I disagree. You don't have to browse to pr0n sites and download the too good to be true unlimited free pr0n browser, you don't have to use bearshare to download files from people you don't know. If people stuck to reputable sites without going off the beaten path looking for grey area content they wouldn't get in trouble
You wouldn't take candy from a stranger in the real world, and if someone said "Hey, I have this awesome 55" 4k TV, its yours for $1,000" You would probably be skeptical, considering they cost around $20,000. People seem to forget to apply the same judgement they use in the real world when deciding whether to trust someone or something to the digital world. Also, in the real world people tend to read warning signs a bit more carefully, online everyone just clicks "OK" when a popup happens without actually reading the message.