Do we need e-commerce preschools?

You know how in preschool you would get the lesson, "After going potty you need to wash your hands," that your parents first taught you reinforced?

Do we perhaps need an e-commerce preschool in which people can be taught, "After getting a credit card number, make sure you aren't saving it clear-text on a public facing server." And should we not consider companies that make this mistake to still be e-commerce toddlers? Possibly quite cute, but not yet ready to be given serious responsibilities.

Similar lessons being, "Don't store their password, store a hash of the password," and "Use SSL on those login pages, it's good for you."