Buyer protection won't usually protect against use of your cards details by phishers collecting to sell on your data..because you handed the card details over..
Buyer protection is for when you buy something and it isn't delivered..or doesn't do what it said it would etc ..
You bought a fix..they delivered one ..the fact that the problem was of their making combined with the unthinking installation by yourself or someone else on your machine..isn't the credit card company's fault..nor the fault of their other customers..so why should either take the hit via insurance or higher premiums for all customers because some don't take basic precautions ..
Running as root when you don't need to is like leaving your car running with the keys in the ignition while you go around the corner for a coffee, in what you know is a rough area ..the innerwebs are not safe .webmasters should know that..better than anyone.
And amongst the first things that any new machine or install of any OS tells you is that it does not advise running as root or admin, due to the security problems that can bring you..problem is people ignore that message ..and then in windows any well crafted script can go through shells, and an "alert" box with "OK" on it will let you click and run as admin without asking for a password and maybe giving the operator time to think "is that really such a good idea"..
The weakest part of any IT security is the chair keyboard interface ..and on mobile devices and voice operated systems you don't even need to click OK to get pwned.
And in anticipation of the inevitable thoughts or comments of "my granny cant be expected to know or think of this" ..a computer is a high tech device ..in the wrong hands it can cause havoc a very long way ( around the other side of the world if its running as a zombie ) from itself ..
You wouldn't leave your granny at the wheel of a 40 ton truck or a 600 HP car with the keys in and the engine running and no supervision..and no safety measures in place ..like brakes :) or chocks, or with the trans ready to go from 0 to 300 on a click ..
Especially if all you needed to keep granny and everyone else safe was to make sure that she couldn't floor it without putting in a password and going to "I really know what I'm doing here formula 1 mode" ..and you wouldn't let her near the nitro switch..
[edited by: Leosghost at 1:46 am (utc) on Jun 24, 2011]