I've seen the anology of computers being more like cars elsewhere in this thread. One was even from a tech-type. What people seem not to realize is the fact that when the automobile industry was as young as the computer industry, people did have to know something about cars when owning them, or at least have someone around who did.(There was no ''On-Star'', no triple A, no warning lights, ect. If you got a flat you had to know how to change it, you had to know about overheating, ect.)
The reason I'm replying to this post is that I truly think that some of the issues that Microsoft had/has is in their attempt in trying to make the OS too easy to use and try to advance to quickly. (I'm no expert and may very well be wrong about this.) Most likely to appeal to a broader consumer base. (Remember when Win95 crashed at the unveiling of it?)
This leads to a problem: new users are led to believe that they need to know little about computers in order to use them, which may be somewhat true these days. (but inevitability they will have to learn, especially when using the internet comes into the mix.)
I know that probably alot of computer users merely need to use a computer as a tool for work/business and neither have the time or desire to learn more than they absolutely have to. But with any tool a person needs to either learn how to maintain and/or repair it themselves or spend the money to have someone else do it. If they also use the computer for recreation (i.e internet access at home) then learning something about it is a must. (But actually the only way to learn how to fix problems is by doing, like anything else I guess.)
My answer to the question would be both the end-user and software. I think some software manufacturers try to make their software do more than it was originally designed to do. They add-on in an attempt to make it easier to use (which is what alot of end-users want which leads to a false sense of security). The result is a bloated, problematic application. (Earthlink Total-access comes to my mind when I say this. I had alot of problems with it, so I got rid of them as a ISP.)
I do have one gripe about a certain (un-named here) security software company who in their website articles suggests doing a number of problem preventive measures when installing their software, but make little mention of it all in their little handbook, or even where the info can be found on their website. (I stumbled upon the article when looking for something else.)
I must admit though that I am one of those who caused many of my own problems and then had to learn on my own how to fix them. Calling some tech support in those cases was definitely out of the question! All of it caused me to pick up on other things along the way, so I'm glad I did.