Most of my clients are retired and use their computers for chatting back and forth across the state and across the country (ex-military group that holds annual reunions) which means they also swap photos, jokes, video clips and other things.) Those folks have to be hand-guided through every little issue. Fortunately the SMBs I work with are better.

That said, I get paid reasonably well for my time and usually keep them running bug free until they click on the wrong link. You won't believe the hoops I had to jump through on last week's issue (then again, maybe you would.)

I always warn my clients about watching what they click and entering personal information and so far nobody has had any financial difficulties online. However, one client currently refuses to upgrade from WinXP until she has to replace her machine despite the fact that Microsoft isn't sending updates any more. To her, the lack of updates is an advantage because she doesn't have to put up with the approval processes (I know, I could have made it automatic, but I wanted her to be aware of each update.)

You're right, most personal users don't have that luxury, but that's one of the services I provide and I get paid for it.