A common assumption in security research is that more individual expertise unambiguously leads to
a more secure overall network. We present a game-theoretic model in which this common assumption
is challenged. Our findings indicate that expert users can be not only invaluable contributors, but also
free-riders, defectors, and narcissistic opportunists. A direct application is that user education needs
to highlight the cooperative nature of security, and foster the community sense, in particular, of higher
skilled computer users.
As a technical contribution, this paper represents, to our knowledge, the first formal study to quantitatively
assess the impact of different degrees of information security expertise on the overall security of
a network.