Not everyone is an idiot though. I never once had an anti-virus running on my computer in the background. All I have is a hardware firewall and my wits. I can count the number of times I had a virus or malware problem over a decade on a few fingers, some of which I know were my fault. I also never had a single game or forum account compromised in my ENTIRE LIFE and trust me on this please, I've had A TON.
There was only 1 occurrence that had me completely baffled but it was one of those malicious pieces of malware that replicated about 50 random services and spammed your entire computer with ads. I forgot the name of it, but it was like 3 years ago.
I've had Windows 7 installed for 22 months now and today was the first time I ran any type of anti-malware software. Between the 3 applications I used, they found 0 infected files or warnings. My computer has been running like a champion since I installed 7 (no random slow downs or strange problems).