This is a pipe dream. I totally get the engineery argument for certainty and perfection, but this can't work in the real world. It's too inconvenient, and relies on users being responsible and educated.
Nothing is written in stone. People decades ago weren't locking their doors, but factors such as urbanization (with higher crime in cities) created a reality that made people change the way they think. It wouldn't have taken many friends or neighbors having TVs and cars stolen, to make them change their minds. So does it really seem that unlikely that people will not learn from the experiences of being online, and learn the digital equivalent of locking their doors?