To add to this, i agree that education is a big problem. By that, i don't mean that you need schooling, or to get certified in a field to know how to protect yourself. Being aware when you are online, knowing what not to click on or what not to open is a huge start.
Someone came to me with a story a week ago that i couldn't believe. The person received an email from someone claiming they were Bank of America, asking for all her personal data, account number, passwords, uncles middle name, mothers maiden name, i mean you name it... and guess what? Yeah... she clicked reply and sent all the information to the thief. Needless to say, the next morning she had a huge headache trying to fix all the crap the perpetrators did with her account information.
You would think that people would be smarter these days right? Wrong.. this woman is a very educated person, but knows diddly about computers...except to turn it on, write on word, send emails, and surf websites.
A little research and knowledge can go a long way.