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It's not a trust factor, it's a knowledge factor. Just yesterday my brother installed something that completely killed explorer because it was meant to run on a much older system and altered explorer; completely by accident (it was a c++ cd you get from those learn C++ books). So basically, it's to protect the computer because I do not want to install XP every 3 days.
You have my sympathy. I can’t count the times I had to reinstall XP because of my brother’s poor computing practices. There was nothing I could do but inform him of the dangers of the Internet. We shared the same computer just as you are with your siblings and we were basically at the mercy of each other. You're just going to have to inform them of what to do on the Internet and what not to do. Like downloading from only trusted sites, stay away from kazaa porn, etc...