Howdy FreewheelinFrank,
It is not always the user, and it is not always the OS, it is also consumer friendliness. What are to-days' common hazards to surfers in general malicious scripts, drive-by or rather surf-by infections, the same bugs all over and over all as sort of variations of Java out of the sandbox bugs (e.g. BiteVerify exploit etc.). Problem number 1 virus, problem number 2, and growing spy-, ad- & scumware, problem number 3 spam. There are pessimists that predict the internet with its dozen or so backbones will completely clot up, we're heading for a traffic jam. Or is there a way out?
But remember always stay on the bright side of life, tadoo, tadoo,
yours sincerely,
polonus