It's mainly ruined for those who are careless, Tish. A good firewall, coupled with a good virus program should do it! That and being suspicious of an unfamiliar site asking you to click on certain links. Or more frequently, eMails from unknowns asking you to click on a link! Once or twice during the past five years, someone did get through all the protection, but when faced with it I ignored my usual procedure for shutting down and simply hit the power button immediately. They never got a chance to get a ransom from me!
But I agree with the thought behind your message, I miss the old days when we communicated through the usenet and knew each others' real names, even where we lived and what we did for a living. It was just like having an extended family. Some of us even visited each other in person! Ah, how I miss the more innocent times with my friends on alt.forty-plus!