There's an other general problem - non-competent people running services on the internet. To open a "real world" shop, the owner has to go through a lot of hoops (e.g. fire department check, health department check) to prove (s)he can handle the shop. On the other hand on the internet anyone can provide a service, even if (s)he is clearly not compenent enough. Providing services is a serious profession, if amateurs (in the bad sense) are doing this, combined with buggy software we end up with worms.