Hi bob3160,
Probably the man here isn't talking about those behind a home solution, as in that situation many live in ignorant bliss, as they do not know what has been rattling their windows and are unaware about their backdoors. They probably also do not have any notion of what their resident AV solution is up to or where it may fail or already has failed. We call that a blind trust situation. Alas many have come to live that way. But there is even some things these folks can do.
There are two situations a user can make the difference where the two main vectors for malware are concerned as there is
social engineering (do not fall for it or get educated about it, not all social engineers go by the name Mitnick, who only did not mean a threat when he was in full isolation without any peripheral (mobile phone etc.). The second main vector of infection is enabled by old,
outdated OS and third party software and not to use left software that is no longer being maintained by the developer(s). Things that have gone off are not kept in the fridge anymore either.

The remaining threats can be tackled by layered defense measures, a program like MBAM and CCleaner, hardening of the OS like emet etc. (when is the Win10 version coming?). Going through the event viewer logs can be an eye-opener. In-browser defenses, like ad- and script-blocking and pre-scanning.
I know these measures aren't for the happy-go-lucky clicking-ignorants as they can never be made more secure as they are - only by others watching over them, but even with wrongly installed and applied defenses they will stay a danger to themselves. The only thing that helps here is education. Oh and remember, a dumped infested computer can be a joy for the poor after being properly crap- and malware-cleansed.

polonus