The point is there are millions of people that do not understand their systems that well and they ARE fooled by these things, if every user was 100% tech savvy there would be no need for any AV systems at all.
I highly doubt that being tech savvy would end your need for your security related software.
I do agree that this malware is very convincing and will fool the average computer user which
is why keeping your software totally up to date becomes more critical all the time.
Since the new Malware always comes first, there is also no assurance of !00% protection and those with
some tech knowledge have a better chance of staying safe than those that have none.