create a non-admin user account and use that..
solves 99% of the problem.
Multiple accounts do make for confusion. May confusion ever reign supreme unless one can pin-point the truth. Then am all for the truth. Is cheaper than a credit card.
Not really. If it were that easy, there wouldn't be all this panic.
Are you saying you don't care if (as a non-admin user) the attacker gets all your (non-admin) financial data and passwords and other personal info? Really?
So what if it can't trash the entire computer -- It gets all it can from your non-admin user account, and that's enough to trash you.