All these techniques are based on the malicious software already having access to the system. As Raymond said "you're already on the other side of airtight door". Perhaps instead of relying on antivirus/antimalware programs to protect you, better educate the user. In no future time will ever exists a program that will be 100% idiot proof ("the Universe will always come with a better idiot" - quote from somebody way s…
The idea that a single user can outsmart thousands of motivated professional criminals with powerful computers is a complete nonstarter.
"Don't click on links you don't trust"
See? 2 simple rules, that's all it takes.