There is a lot of discussion about whether or not to use VPN and/or Anti-Virus/Phishing software to protect your computers. Here is my story.
I have used software for years as the anti-virus/phising/malware software, and it has saved my hide a number of times from going to advertised websites that are looking for a sucker.
Today, in Fact, I went to a URL so I could unsubscribe from receiving unwanted emails. My app popped up a message: "Dangerous website. Recommend not proceeding. Take you out of danger?" I accepted to not enter into the site and the page was automatically removed.
I have also used VPN over the last few years. I do a lot of research and postings and having a VPN makes me feel secure.
I personally believe f you are going into arenas where the phishing sharks are waiting, you will get bit.
I would highly recommend you, and everyone reading this post, to research the issues of scamming and how the websites work. I would love to share links but Apple will not let me post... so, just type in these words in your search engine- worst scam websites...
I would rather pay for extra security than believe that computer manufacturing companies are up to date EVERY DAY against schemers who work tirelessly 24/7 to break through codes, and succeeding. Millions of records have been stolen over the years from every kind of computer made, stealing tons of personal data belonging to real humans.
If you set up security on your computer, iPhone, iPad, make sure that either you are using a fingerprint or facial recognition way to prove who you really are. That way, if someone steals your device, unless they are your twin, they more than likely will not be able to retrieve data from it.
Now, as for iPhones, and related to banking, I believe that most banking and lending orgs are as only safe as the security you place on your accounts. You should definitely have passwords that are virtually impenetrable (and both Safari and Google Chrome have excellent security in safeguarding those passwords), and always have secondary (2nd) authentication.
I hope that my personal experience has been helpful. 30 years ago I was new to computers and safety. Over the years, in the world we live in today, I would rather be safe than sorry.
Thank you for letting me share.