It's too much to expect your average PC user (or even a veteran user like me), to

• keep their PC free of viruses & trojans
• safe from intruders & keyloggers
• backed-up in case of hard drive failure

AND at the same time

• surf the net casually
• download free software
• visit porn sites
• view email attachments
• play games

So here's a workaround:

Massively Secure PC Box (MSPB)

Every home has at least 2 PCs. One is the same one they have always used, and the other is a Massively Secure PC Box:

• Just a screen, box, keyboard & mouse
• No optical drive, no USB, no firewire, no WiFi
• Hard-wired to the internet via ADSL or Cable

It is used for very specific uses:

• Banking
• Bill paying
• Voting
• Call it a Personal, Secure Dumb Terminal if you want...

Features that make it viable:

• Your bank supplies it to you at a low price
• Log in to it just like you would an Automatic Teller Machine
• It has a unique fixed address (IP address or whatever works best)
• The unique address also works as an email address
• Firmware and software upgrades happen automatically in the background

When the user joins a new bank, or agrees to be billed for a service:

• They give the bank or service their unique address, as well as a Service Pin
• They log in to their MSPM using their user PIN, fingerprint or whatever
• There is an email from the bank or service
• They click on OK within the email
• A secure relationship is made

When a bill is due, or a transaction is made:

• The user is informed by regular email, text message or whatever
• They log in to their MSPM to check the transaction or authorize the bill payment
• ...or vote

And it is never used for anything else!