Think about it: if you're actually still using Win98 as your main OS, the only logical explanations would be either cost or ignorance. I'd vote for cost, since WinXP is plastered on just about everything with wires these days.

"Hardest hit by the cancellation of support will be home users and schools, according to Michael Silver, research vice president of client platforms at research group Gartner, who agrees that support has been extended to fight off the threat from Linux."