What they should do, is make him work on Internet security at slave wages for the next 15 years. And during this time, if he isn''t productive, then we hurt him.
The computer store will be able to run a virus cleaner on it without reformatting.  You don't want her to reformat unless she has to since she will lose everything.  Most computer places will be able to clean the computer without a reformat.
I haven't read all of this, but if she can get to safe mode, she can kill all the worm processes then get to McAffee online and get it cleaned off.  McAffee can scan and remove from remote unlike Norton.  I ended up with McAffee after an internet worm got my home PC.  The worm hijacked Norton's online connection, so Norton couldn't update to fix the worm.  McAffee was the only way that we could get rid of it.