If someone is trying to help themselves by participating in forums and following instructions, that's already very much an above-average user. They'll be fine anyway. I'm talking more about the kinds of people who would download a .jpg.exe and run it. Or transfer their savings to a "safe account" because someone called them out of the blue and told them to do so. Or fall for scammy ads. You get the idea.
I'm more concerned about the 'good with computers' type people helping the average users. Those are the people who use google and forums and leave other peoples phone and/or computer in a less than optimal state which makes the .jpg.exe attack more likely to succeed.