Ways to avoid problems include:
1) Avoiding known specific kinds of sites (warez, porn, etc) help prevent such problems.
2) Keeping track of everything that happens on your computer (event monitoring and tracking) as well as monitoring all incoming and outgoing traffic.
3) Don't allow any popups to run (that's where a large majority of issues lie).
4) Stay updated/patched (it at least helps known issues).
5) Continually scan for viruses, trojans, and other malware.
Yes, that's not the only things needed to remain free of such issues, but these are simple ones that most people should be able to do. Add these to your normal security and you are unlikely to have many issues.
Considering I've been using the internet since DOS days and have no problems with any kind of security issues other than the random virus, I'm not too worried about it.
If you feel that's unsafe, then that's your choice. I consider myself to be as safe as I need to be. If something did happen, I can take action at that time. If after decades of use I haven't had any problems, I'm not about to start being worried about using Admin rights. As I said, I install/uninstall things constantly (every other day at least) and switching between users to do so is not worth it.
As I said, I don't care if it's added. I think it's good to add that. PUT IT AS A FEATURE REQUEST (still not done). I only said that it doesn't matter to me because it doesn't affect me.
