yeah no don't worry i agree with you, i just know that realistically a lot of people won't bother learning even though they are capable if they invested the time.. then they rely on av only and get themselves infectedWell then, my reply is this: You get what you get, and can't complain or bemoan the fact that your PC got infected, your bank account wiped-out, and actually expected any security soft to save you.
People have to learn language and basic mathematics right ? Most have no interest in those either. The solution is to start teaching the topic early. If you wait until university, it's too little, too late. By that point the person has probably picked-up all the bad habits that they need.