This isn't "me" - vaguely computer literate and aware of how this stuff works. This is ordinary folk, using Hotmail because they were told by someone that that is how e-mail works. Nobody told them to click on the very small "Junk" word in a row of other words, and they didn't.
There are about 100 such people on our church contact lists. All but two get their mail with no problem. Two used Hotmail and didn't. Now, they don't use Hotmail and they do again.