I do fully agree, it is really an apple issue, and there lack of response will come back to bite them. But that doesn't mean nothing should be done by us.
In the same way that I take security steps where I can to protect my property (alarm on car, lock the house when I leave, don't walk around handing out my bank details to total strangers, etc, etc).
As to hackers though being amazingly clever ... certainly not my experience, I'd say 1-2% of hackers are gifted, and the rest copy, fudge, bodge, and sit around in dark rooms thinking they are in the film "Hackers". Don't get me wrong, those 1-2% are hella-gifted (oh I made a new word) but that still doesn't mean they can't be stopped, the clever one's are sensible enough to give up on a bad job and move onto the next, newest, coolest thing
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