It's funny hearing you illustrate some of the problems, because even as a consumer, sitting at home, I get these pop-ups that come up and say that my anti-virus software is out of date, or that my Windows needs to be updated. I don't even automatically do that any more, because I'm worried that someone has sent me something to look like Windows or look like the anti-virus that I might be putting on my computer.
I think I actually know a thing or two about computers, and I'm uncertain about this; I can't imagine how difficult that makes it for someone who is a newer user.