Why do people freak out over viruses or phishing scams? People spend great deals of time complaining or trying to fight malicious attacks against their computers or their online accounts. As long as people stop being stupid, there is no reason any of them should be getting viruses or becoming the victim of scams.
I'm not saying to not be careful. Sure, check the sources of every e-mail that you receive. Sure, freak out whenever you open an e-mail that you shouldn't. But, don't start yelling at people you know for doing things on the internet that may or may not be safe or secure.
Those stories about "experts on computer security," getting caught by a scam or virus, are 80% complete bullshit and 20% ridiculous circumstances. Don't be scared by these stories, and don't stop surfing the web because of them. Just don't be an idiot on the internet...