Average Joe
I for one can sense your alarm and disgust; however, no matter how bad it gets, we, the consumers, do not waste valuable time pondering the "whys" of the criminal mindset and their guerrilla tactics. We must be vigilant, maintain, and support ethical entities, such as Spybot S&D, to protect and defend us.
When my youngest son (now 33 years old) was about 4 years old, he asked to go outdoors and play with his pals. There was a long-standing rule in our household: No playing with your pals outdoors until all your toys are put away inside. When I reminded him of this rule, he put his grubby little hands on his hips, looked angrily at me, and shouted through his gapped-toothed little mouth, "Well! I'm just gonna pissadeer!" He could not speak plainly, and frequently got his words twisted. What he was saying was that he didn't like the reality of the household rules, and was going to disappear. Well, this is what I wish...that the hackers, keyloggers, spammers, etc. would..."Pissadeer!" I can wish till the cows come home and it won't do me a bit of good; therefore, I keep an alert vigil and let the expert warriors do battle. Don't forget, an army moves on its stomach. Donate to keep 'em fed and fightin' for you. Tarheel.