The problem with Microsoft Windows is that it's really a floppy disk operating system. Back in the good old days before we had hard drives I'd reboot my TRS-80 with the floppy disk of each program system that I wanted to run. If I downloaded a game from somewhere and ran it, the worst a malicious program could do would be to infect or crash one floppy disk.
With hard drives, all of our files are on the same disk and, for some reason, Microsoft has decided that any program that we run should have unrestricted access to all of them. We're completely at its mercy.
The solution seems simple. The operating system shouldn't allow a program to access anything that's not in its folder or subfolders without specific permission from the user. Operating system programs could access everything and you'd give permission to programs from trusted sources, such as a word processor or picture editor that might need access to the files in other folders in order to be useful. Other software could be given permission on a folder by folder basis as needed, and perhaps be allowed to read files in other folders but not change them, such as library files.
With such a system, it would be safe to download and run other programs. Malicious programs could crash only themselves. If such a program tried to access your operating system, mail system, or anything else you'd be asked if you want to allow it. Since some video game you just downloaded has no business in any folder but its own you'd disallow it.
The send and receive parts of a mail system could be kept in separate folders so a security hole in the receive part could not affect the send side. Such a hole might be exploited to infect the receive software but it couldn't spread by mailing copies of itself to others. If you wanted to forward a piece of mail you'd give one time permission for the receive software to access your outbox. If a virus tries to do it, it would have to give itself away by asking for permission. Without automatic access to outgoing mail, it would be very hard for a virus to spread. It might trick a few novice email users by lying to them, but a virus won't go very far very fast if it has to ask get special permission from each person who receives it.
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Life is like a box of chocolates. All of your choices are bad for you.
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