I find it really curious when experts assure us that XP is dead (or nearly so). Just because Microsoft chooses not to issue updates doesn't mean that XP will shrivel up and go away. Of course Microsoft *hopes* people will abandon XP ... but one-third of all personal computers still use XP.
Get your head out of the sand and smell the coffee.
Anyone who continues to use an obsolete Microsoft operating system after Microsoft cease to release patches is an idiot. End of story.
Its
NOT about Microsoft wanting to make money. Its about the security of your system, your personal information, and doing your bit for the good of the internet by not becoming a zombie or spamming proxy.
And please, don't waste your keyboard coming back here telling me "oh, I run this anti-virus and that other thing, so I'll be ok".... because that's bull. Without a solid OS, any software (AV or otherwise) is vunlerable because the APIs are vulnerable.