My family has some concerns about online security especially when banking.
I don't particularly trust that their computers don't have stuff on them that shouldn't be (less malicious stuff, but more just extra programs and junk to slow them down/fill them up).
Is there any paid for or free anti-virus software that's worth it? What about VPN's? Is it worth trying to make my own VPN or proxy (using home server/PI)? What about virtual/hardware firewalls?
How can I also explain that their Internet traffic is safe and that online traffic is encrypted and safe or that its safe to use financial apps that belong to the companies themselves?