Should we fear hackers? Intention is at the heart of this discussion.
Social engineers veil themselves in a cloak of believability.
You can't go to Windows Update and get a patch for stupidity.
Back in my day, I would probe by hand. Now you can get commercial software that does the job for you.
New security loopholes are constantly popping up because of wireless networking. The cat-and-mouse game between hackers and system administrators is still in full swing.
You can never protect yourself 100%. What you do is protect your self as much as possible and mitigate risk to an acceptable degree. You can never remove all risk.