Mad, Yes I spend a fair amount of time at my PC, thats how I make my money(see other threads
)As for responsibility, there are lots of things in life that we need to learn before we use them properly, driving is one that springs to mind. Using a PC to do financial transactions is IMHO akin to getting into a fast car, if you aren't trained/savvy about it then it will bite you on the bum.
The propblem with the 'I'm glad I posted this to stop one person etc' mentality is that if we alll thought like that the whole internet would be flooded with warnings such that we wouldn't see the meat on the bones. I've been on teh Net for over 10 years and TBH you get sick of seeing the same old scams/warnings being posted over and over again.