@Listen 2 Me: "The MBR is easy to restore with quite simple tools."
For us cybergeeks, maybe.
For the average user, however, a computer that absolutely will not boot with the possibility of seemingly permanent data loss can be a very frustrating (or frightening, depending on how much of your life is tied to your PC) experience.
The only way to combat this problem, in the long run, is user education:
-- -- 1. Stick to trusted web sites
-- -- 2. Backup your data
-- -- 3. Install OS patches
-- -- 4. Update anti-malware suite and scan for threats
-- -- 5. Reboot
-- -- 6. Repeat
Now, as a hard-core GNU/Linux enthusiast, one may expect individuals such as myself to say something like "Well, things would be a lot better if people didn't run Windows," or "You'd never see this kind of problem if everyone ran Linux." And for some persons, that would be a correct assessment.
However, there are very practical considerations as to why Joe Average User should NOT run Linux, mostly relating to Microsoft Office document compatibility, and availability of well-tested, high-performing device and printer drivers. Even the most user-friendly GNU/Linux distros, such as Ubuntu and/or Linux Mint, can take quite a bit of tweaking to get running smoothly on modern hardware. And many average computer users don't want to invest the time to work through the process of learning a "foreign" operating system.
An OS X machine may be a viable alternative for the general user population, but Apples are quite pricey compared to standard, work-a-day PCs, and are out of reach for many users on that basis alone.