I'm sorry. I didn't mean to sound like I was mocking anyone. I really did lose my socks, but further investigation has shown that my dog was at fault. Sorry for jumping to conclusions. 
It must have been a ferret. *looks suspiciously at Argent*
As for the viral object in question in the thread: Some write it off as user responsibility because it must be clicked upon to allow taking money. But, who hasn't been away from SL a while and sighed at the next log-in, as they clicked through a stack of announcements/offers while barely paying attention? Or who hasn't clicked on something they thought was something else, due to unfortunate timing?
Example: A friend IMs "I am sending a teleport" You reply, "Okay." You look away from the screen a moment, hear a ping, and click 'return' - but it turns out to be some ad, or worse, a Bloodlines invitation or other awful, uninvited clicky thing.
Now if that had been a demand for money, ouch.
I once bought a 'freebie' box and when I rezzed it to try to open it, it popped up with a yellow box wanting some money. I barely noticed it in time, as some other group announcements and such began appearing at the same time, and I was trying to rapidly click through them all. So it isn't always down to someone reading it and somehow not understanding the words "allow debit" - and that's I'm sure how they get most people.