Я — не я и лошадь не моя.

Большинство пользователей компьютера создают для себя одну учетную запись и используют ее для всех действий в системе.
Однако же тут есть потенциальная опасность — если в системе всего одна учетная запись, она должна обладать правами администратора, как следствие — все программы запускаемые под ней будут иметь полный доступ к системе.
Но среди этих программ могут оказаться и вредоносные — к примеру, троянские, которые вы можете получить по почте или подхватить на незнакомом сайте.

Для большей защиты рекомендуется делать в системе одну учетную запись с правами администратора (не использовать ее для повседневной работы) + учетные записи для каждого пользователя с ограниченными правами. При этом, если вам понадобится внести изменения в систему (к примеру — установить новую программу), система запросит у вас пароль администратора. Если же у вас просят пароль, там, где вы не собирались ничего такого делать — стоит насторожиться.
Ниже по ссылке подробная (и как всегда — скучная) статья на эту тему от Microsoft, кому интересно.


Кстати — все вышесказанное актуально для любой операционной системы. Настроить права доступа пользователей можно так:
Windows: Панель управления > Учетные записи пользователей
OS X: Системные настройки > Пользователи и группы

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