For most users, the phone works and they don't care. For everyone in my family, iOS updates are just an annoyance.
People in your family don't care about security?
I won't let my wife log in to our brokerage because she insists on using dictionary words as passwords. My parents tape their passwords to their laptops. Heartbleed is way down the list for them.
The biggest security threat is still phishing, to which we all remain mostly vulnerable.