And there are frequent warnings about new threats routinely with all of them. Not being computer-savvy, and using these tools (which sadly are enabled by default) is something like being a boater and using propane in the galley--with no grasp of the safety issues and no concept of how dangerous "fire" can be.
Sooner or later, if you don't learn about it, you will get burned. Estimates are that 25% of all home computers are running zombie malware, the stuff that infects you and everyone you have in your email lists, because folks just don't understand. Web sites that rely on the stuff? A continual problem. You have to choose between managing the risk, and simply shunning those web sites.