How much does a computer user have to know to have a well protected computer from malicious software of any type?

A huge industry has been built on Malware threats and infections.

Has anyone thought about creating a generic flexible system to defend against this that anyone could use. Especially those that don't have alot of training or computer knowledge.

Let's see a few concepts to grasp and the method along with the mechanics of operation and we could have something.

What do you all think?