Schneier blames poor security on the computer industry...
I have to disagree. My dad (sorry dad...no offence) has no excuse for constantly screwing up his system at home. I've educated the heck out of him and he still finds the need to "tweak". He seriously calls me at least once a month with an issue. Last month, he'd somehow bridged his wireless and wireline network adapters. What? Don't mess with what you don't fully understand.
I also disagree it's the industry's fault from a corporate standpoint. If some fool can install software on their bank workstation, it's the bank IT department's fault. Hello? Group Policy. It's pure IT laziness (or misaligned priorities...or ignorance) not to have group policy prohibiting installation of software on machines.
Should we castigate Edison when some fool misuses electricity and injures themselves? No. If users fail to observe safety or recommended precautions, there's no one else to blame--operator error.