Something needs to change drastically, or I can see these problems getting worse over time. Those little "secure" images in the address bar mean nothing to 95% of the population. A lot of people don't even know the difference between a Google search bar and the address bar. Pop-ups appear that are fake OS message boxes warning about viruses and people fall for these left and right.

The only way to solve these problems is to educate people. Perhaps a little tutorial pops up after you've downloaded your web browser -- "If you want to keep your information from getting stolen, follow this little instructional guide on how to safely browse the web. It will only take 5 minutes of your time". I think a lot of people would do it.