Well this is really an Eye popping problem that you may have on an unprotected computer. Here is just the example on what I'm trying to say here is the link http://abcnews.go.com/GMA/Story?id=6739393&page=1.
Just a simple Pop adds almost ruined this teacher's life. So what if this happens. Picture this out your are using a computer to have transaction using a Credit card. Then you didn't know that a Spyware is installed in your computer. Then that spy ware collected every information of you bank account and use it to some kind Porn site. After that you being arrested on some illegal transaction that your bank account have gone into. So you fight to strive justice so you loose more money and get doubts from all the people that you know. Sucks to have this hellish problems right? Well I wish we can protect our selves from this kind of problems. I also wish for the souls of those hackers that just having fun while messing around with peoples lives.