Treat your PC like your wallet or purse.
If you wanna treat a pc like a toy do on one you use soley as a toy.
Not just online banking.as tomm says.
Think about your emails, simply access to a CV is enough info to cause damage in many cases, how about that e ticket.
also if you buy or use a PC which does not have a clean os on it. Wipe or run intensive av and as on it.
My dad bought one 2nd hand pc from a well know mail order company. The pc was littered with viruses and malware. In the end we wiped it and simply reinstalled rentered the auth code.