although....careful with possible complacency. I've been using ther 'net since ~1995. A couple of months ago, I had fraud for the first time. downloaded an infected file, virus scanner went nuts for a couple of minutes. and my hotmail junk folder got a strange receipt for a £200 delivery sent to Scotland (not where I live).
what I didn't do, was run malwarebytes. 3 days later, my paypal was (correctly) frozen as £700 had been ('suspiciously') spent on it, by someone else. paypal accepted liability, refunded me. (malwarebytes picked up about 200 items). happy ending to that one. fair do's to paypal.