As more and more people lose money, have their identities stolen, or other bad stuff - things might change over time.Until that unique moment where some software - Appguard, HIPS, whatever - (similar to the Norton wave of 2004 and Kaspersky wave of 2009) gets a ground-breaking amount of publicity, we'll make hundreds of threads with thousands of posts criticizing "stupid non-cyber savvy" people. But unfortunately for the world, antivirus sales, like their users are only increasing exponentially. This is an argument that will continue 200 years later. Even with computers in our heads, like @Andy Ful said, the argument of antivirus in our brain vs hips in our brain will exist, but the basic argument will remain.
It isn't the user's fault if they don't even know the dangers. It takes society to make cybersecurity a priority. For society to make it a priority usually requires some catastrophic events. After the fall-out, only then, are changes made - and mostly inadequate ones at that.
Some think it is too much to expect ordinary users to make decisions. Typical users aren't stupid. They can learn if there is an adequate effort to teach them.