End-user responsible for security?

Imagine this situation:

A massively distributed worm that connects to random P2P services and downloads and shares various music files gets installed on your machine.

The RIAA finds out and sues you right?

This brings up a good question:
Do we expect every citizen of the internet to be responsible for their own security – what happens if Microsoft hasn’t released a ‘hotfix’ to alleviate the hole for a month or more? (often the case).

Does the RIAA and it’s likes have to back off because people are too dumb not all security experts?

Interesting thought to entertain…

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