That approach sounds to be more corporate oriented than for the average user initially. There is no way I'm going to setup some fake credentials on my PC and then invite someone in to steal the bogus information; however, that sounds like an interesting option that Target might try. Anyway, don't hold your breath waiting for the discontinuance of personal AV solutions. Personally, I'll use them as long as they are available and they do work just fine because I have never been infected.
