I believe the sentence that talks about "the ability or inability to use the product covers part of this discussion. If a user cannot figure out that he has a responsibility to secure his machine, then why should MS be responsible for that. That said, I just found out that this problem also affects the ME version, which I happen to be running on two of my machines, so I have to patch them up.
Picture a theft of personal items from a motor vehicle. When the theft is reported to the insurance agent, the first question will be "Was the vehicle locked?" and if the answer is no, then the theft will probably not be covered.
Someone tried to hack me at 7PM tonight I know cause Norton told me so.Now...being a prior Mac user I am not used to using anti-virus/hack job protection programs so this should not be a prerequisite to their flawed product, this is a weak argument.