[cjslep]

My point isn't "be as smart as me" and I do apologise if my tone is coming across that way. My point is "get educated on the issue" which seems reasonable to me (the tone of which I guess can also be misconstrued as negative, but I mean it in a constructive and positive manner).

[anigbrowl]

I know you mean well and I do feel your frustration. But to use a phrase from political scientist Brian Caplan, people are 'rationally irrational' about this (as in public choice theory): it's very hard to really assess the risk factors properly, and given the potential downside risk and the existence of alternatives they decide not to bother.