It's too much to expect your average PC user (or even a veteran user like me), to

AND at the same time

So here's a workaround:

Massively Secure PC Box (MSPB)

Every home has at least 2 PCs. One is the same one they have always used, and the other is a Massively Secure PC Box:

It is used for very specific uses:

Features that make it viable:

When the user joins a new bank, or agrees to be billed for a service:

When a bill is due, or a transaction is made:

And it is never used for anything else!