Well , I don't use wireless networks at home, I certainly don't do internet banking, never use my debit card details online, hide my pin number at machines etc... so am in agreement on the end user taking precautions, BUT what I find reprehensible is the banks using technologies like chip and pin and internet banking to protect themselves from liability and provide better returns to their shareholders while claiming it is for the customers protection!
Most home computer users are barely literate, let alone computer literate (present company of course excepted!!) and won't even know they need to protect their end of the system without being told, they believe the banks when they say the system is "secure".