ShadowJK was saying that accepting an unexpected file transfer/browse request (say, from malware) was stupid, not what you were talking about (and by the way, I think you have a point). Also, for the record, when geeks talk use the word "stupid" in that sense, we don't usually mean that the person is of inferior intelligence, but more in the sense of it being "stupid" to, say, run across a busy intersection - it doesn't actually mean you're an idiot, but it certainly is foolish and ill-advised. The fact that a large amount of people regularly do things with their computers that are more equivalent to running out in front of a bus leads to bitterness, and bitterness to name-calling. So yeah, it's probably a bit harsh, but generally not intended to be offensive. :P

UPDATE: This may also be enlightening: http://www.mit.edu/~jcb/tact.html