At first glance, to me this seems straight forward to fix.
1. Go into the BIOS, confirm the boot order is Optical Drive first (very important!). Perhaps even go to the extend not including the HDD in the boot order, if possible.
2. Boot from Windows Recovery CD, clean the MBR
3. Boot from a AV Boot CD (plenty of free ones avaible) to run an offline scan to, um, root out the infection. The AV CD may also be able to fix the MBR.
4. Profit?
Problems with above are sourcing clean Recovery CD and AV CD, and that not all machines have an Optical drive to use (e.g. netbook), so you may need to rely on boot from USB, but again that needs the boot order setting correctly to boot from USB. Hardware write protected USB drives are useful here.
And "Joe Six-pack" may not have the resources to be able to do the above for himself.