If a user accomplishes money transactions using his PC or smartphone, then he understands at least a little how computers work. Therefore, it is unlikely that such people will leave their PCs without protection.
Some of those who use their devices to conduct transactions know that they do not need to switch to untrusted sites; to open questionable emails; not use unknown applications on social networks, votings, quiz, etc.
The main thing is not to provide any data about yourself and your financial resources on the internet anywhere. Of course, if it is required for purchase in a safe place, then such data is provided.
Of course, if a user gives their data on unverified resources, he immediately falls into the risk zone. This is not reasonable. There certainly is not one antivirus will not help. Everyone is responsible for their own security and an antivirus can only help in this