Banking these days requires a QR code apart from passwords, Wise has a double protection, i.e. a messaged code to my phone that gives a code number to be filled in on their site window. I have never had a problem with a virus or banking. Sometimes 'wise' will send me a message saying the computer I'm using is unknown to them (I only ever use the same computer) and I get an email asking if I am making the transaction with this 'windows 10 ??' computer, I say yes, despite having windows 7 not 10, and the transaction goes through.
I have used computers for many years while working in a design department but I am not computer savvy, technology has never interested me. Why a should a 19 year old computer be any different to an old smart phone or a 20 year old car, both of which work trouble free. I recently had my Honda Jazz resprayed, it looks new inside and outside, I know people with the newest car and a load of debt....not for me. I bought my 18 yr son a new smart phone, 10,000 Baht, he gushed over all the features until I asked him what can it actually do that your old one couldn't...,he was at a loss to answer how the shiny new thing was really any different.