I haven't assumed that you have said that. Do you think an average home user should run AV?
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Powershell, macros etc. also are exceptions to "untrusted executable" and are a big risk.
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MS has fetishized blurring of data/code since at least Windows 3.0 days (OLE/DDE/Word macros/etc.) and this is the non-surprising result.
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It is going to take a lot to shift a business to any other OS or model now though. Suspect virtualization and isolation are only way forward long term.
End of conversation
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