The following quote by Charlie Kaufman sums it all:
Until a few years ago, you could connect to the Internet and be in contact with hundreds of millions of other nodes, without giving even a thought to security. The Internet in the ’90’s was like sex in the ’60’s. It was great while it lasted, but it was inherently unhealthy and was destined to end badly. I’m just really glad I didn’t miss out again this time. —Charlie Kaufman
I have picked up the quote from the presentation by Radia Perlman of Sun located at:
Another important aspect of Internet Security is where does the responsibility of security lie for web usage.
* Should the users be blamed for falling prey to Phishing attempts?
* Should the browsers be blamed for not being smart enough to detect suspicious web sites?
Here is a workshop at the W3C where there are some position papers that talk about these aspects:
W3C Workshop on Transparency and Usability of Web Authentication