This is a pretty weak argument. Windows is notoriously insecure, but many people choose to use it everyday. Making decisions about tradeoffs between insecurity and convenience is part of life, and it's not for us to assume what most people would do.

Further, I think if you made the downsides of everything abundantly clear to people then they would just be really scared. Everything, including posting to hackernews, has horrific potential consequences. But generally as long as bad things don't happen, people don't pay much attention to them. Where there's no smoke, there's no fire.