We can expect Joe Sixpack and Grandma to learn about computer security if they own a computer. If I buy a house, it's perfectly reasonable to expect me to learn how to lock the doors and set an alarm. I agree that Bitcoin should be made more accessible so the security skills involved in computer usage transfer over, but a sufficiently stupid user will lose his bitcoins, and that seems perfectly fair.

The essentials of Bitcoin security are:

• Wallet.dat contains your money. If someone else has it, he will be able to use your bitcoins. If you lose it, your bitcoins are gone forever. If you keep it secure, NOBODY but you will be able to use your bitcoins.
• If you encrypt wallet.dat, keep the password secure. If someone else has your password and your encrypted wallet.dat, he will be able to use your bitcoins. If you lose your password, your bitcoins are gone forever. If you keep your password secure, NOBODY but you will be able to use your bitcoins.

All else follows. If you get a virus, your wallet.dat is vulnerable. If you don't back up your wallet.dat, you won't be able to get it back. If you tell someone your password or make an easily crackable password, someone will be able to spend your bitcoins. It's our job to make the essentials of Bitcoin security obvious, but nothing more. If someone doesn't understand the basics of computer security, they shouldn't be using one in the first place.