With Virus's, it is more of an underground branging rights thing. Alot of the viruses out right now, are just varients of MyDoom and Sassar.
With Spam and Adware and that kind of stuff, yes there is alot of money to be made. I remember reading something in the news paper about guy from calgary that was a spammer. He was making a 6 figure salary, just sending out spam.
If you follow the "best practices", you should be ok.
Those include:
Use a firewall, both a hardware (if possible) and software. Hardware firewall is easy as using a router. Windows XP SP 2 comes with a fairly decent software firewall.
Use Anti-virus
Use a pop-up blocker. Google bar is pretty good, or use a different browser like Opera or Firefox.
And you should be good to go.
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