All these scams show that no AV program will protect you against this sort of stuff -- If you want to install AV software on top of or instead of Ms's excellent Windows defender - by all means do so --but your emphasis should be on USING THE NET SAFELY and understanding the pitfalls. Problems with Viruses and Trojans aren't nearly as problematical these days as are these sorts of scams and things like browser hi-jacks and PUPS.
Best thing is to ask yourself who would you let in your house, who would you go out for a drink with, who you would give your credentials, credit card info, which dark neighborhoods you'd walk and things like that. Transmute all those things to internet and and behave accordingly.
I was looking at the Hoax Buster web site last night and I'm amazed at the "stuff'" people fall for. Crooks are looking for greedy, lazy or stupid people, and apparently quite a few fit the target. Some people just don't get the fact that if it sounds too good to be true, it is to good to be true and just because it's on the net it doesn't make it true.
I know I posted it somewhere else on the forum but I once had a fixmypc virus on my pc a few days ago. My Norton 360 detected it and stopped it and removed it.
Too bad people stoop to this level to use these type of tactics to exploit people.