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Bad Behavior on the 'Net - Who Pays the Bandwidth Bill?

A reader on slashdot posed this very intriquing question today. Who should pay the bandwidth costs for unintentional bandwidth caused by either illegal or unintentional use of the customers internet connection causing the customer increased expence due to this. This could be caused by viruses, spammers, or a number of other possibilities. Personally, I say that the offending party, be it the virus writer, spammer, or whoever should pay the bill. However, the chances of catching and punishing them are slim to none. So that goes back to the original question, who should pay for it? Should the customer foot the bill? The provider? Should they split the costs? Or should an insurance company take over paying for this by offering bandwidth insurance?
 
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