I own a duplex and live on one side a friend and his family on the other. I do all the pc maintenance. There are 4 windows and 2 linux boxes in the house total. None of them has ever had an issue with a virus. Security software and informed users are key. Even the kids in our house know better than to install untrusted programs. Educate your users man best you can it helps.
But be careful you are advocating for personal responsibility there are some on slashdot who would think you elitist for spouting such things