Yes.
Its not trivial, either. People who don’t use Windows a lot probably don’t know about the pitfalls of installing applications as a general user.
Yes.
(Aside:I would bet lots of money that being logged in as Administrator in 10 isn’t really Administrator. They still withhold permissions, especially with respect to writing to root. But that is a different topic. And one that has been discussed extensively on the Microsoft forums by confused/angry users).
Was a beta tester for for WIndows for Workgroups and Office version(s) 1, 2, and 3.