Phishing, spam, malware who's problem is it?

The problems affect everyone. But your solution is incorrect.
Forcing people to install a bunch of items, and/or restricting their access until they do is not the solution. Forcing antispyware, antivirus, etc... How will this program know if it isnt a new version of antispyware or antivirus?
Also, you are looking at the comp manufacturers and saying that it is their responsibility to play computer nazi???

While I agree that there are problems, and not always handled the best, your solution is worthless to me.

It won't go away until every computer user is aware and takes proper precautions. Unfortunately, this is not likely to happen. Liken the situation to motor vehicles. All licensed drivers know (or should know) the rules of the road. For whatever reason, a large percentage of drivers ignore those rules.

For whatever reason, business users who have been told over and over "don't open those files" or "don't click those links" do exactly what they are told not to do. Most of the remainder of users are told by the OEMs and big box stores where they purchase there PCs that all they have to do is plug it in and turn it on and they can browse the web.

If you want to place ultimate blame, blame the criminals that write the code.

Not to insult the masses, but the average user can barely type an entire sentence using two fingers and the sad reality is that the majority of computer users are grossly PC illiterate and couldn't give a damn about learning anything about it. The solution to the problem if you will has to start with changing the ignorant and careless mindset of the general public in how they view and see computers. A PC is a tool, and just like a table saw with an open circular blade that offers no protection, it can be dangerous if misused. Now I'm not saying that you'll end up cutting off a hand or losing fingers while using a PC, but if one doesn't take proper steps to firewall and secure the PC, it will most likely turn into a zombie that's infected with viruses, trojans, worms, and other malware to be used for proliferating the infection to other unsuspecting user of unprotected PCs'.

For the poor design of the Internet and the modern pc and its software

If the majority of users keep making the same mistakes over and over
Maybe its time to redesign the tools they use

Something to think about

Education is what you need, not holding hands.
If the world is going to be online and connected, they need to learn how to use it.
I can't stand antivirus software, would never use a mail client on a home computer, and haven't found a piece of malware yet that I couldn't remove with autoruns, regedit and safe mode. Oh, and use Firefox.
I have six children from ages 4 to 16 and none of our half-dozen home computers has been infected in along time, so long I can't even remember.
Education is key.