Well, if it happens then I allow my antivirus and malware programs to fix it.
I'll let you in on a little secret here.
Pay close attention to this bit:
If your system is compromised by anything even remotely modern in terms of malware, the chances of you being able to remove the infection is somewhere between no chance and nada.
When you get hit, the only way to genuinely be sure of it being clear is to do a clean install from behind a router or hardware firewall.
By running as Admin, you make the malware writers job a damn sight easier since you offer them complete open access to all the recesses of your computer.
It is a truly massive vector for infection you are exposing.