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Your Windows 10 PC will soon be 'junk' - users told to resist Microsoft deadline
(www.express.co.uk)
this post was submitted on 05 Nov 2023
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Not having security patches on a system you do things like go to your banking website on is actually a pretty big deal, and I don't think it should be dismissed lightly. Also AV is mostly snake oil, and is in no way an adequate substitute for a properly patched OS.
It's not as big a deal as you think because most banking hacks are done via browser vulnerabilities rather than OS vulnerabilities. The exception being if you've somehow managed to install a keylogger, in which case the issue is the user and a decent AV should detect and block the keylogger.
As long as you use a browser that gets the latest updates (Firefox, Vivaldi, Chrome), run a decent AV, and don't install dodgy software you downloaded from some dodgy site, you should be ok.
AV is definitely not snake oil. I worked in Enterprise IT and a robust AV alongside other security measures is a must and does catch alot. More than the built in Windows security catches. Plus the AV normally incorporates a virus/malware removal tool which tends to be better than Windows built in tool.
Would you advise your enterprise clients that running Windows unpatched is 'not a big deal as long as you have patched web browsers and AV'? Of course not. Because that's dangerous advice and could even open you up to legal liability.
So why would you advise otherwise to home users, who are often more vulnerable in the first place?
Because home users are not Enterprise users. They are not nearly as juicy a target.
If we are talking about malware and vulnerabilities, home users are a far bigger and easier target then corps.
Corporations have a custom firewall, proxy servers, VPN connections for all clients and double safeties for all important processes. While they are an interesting target for big organisations like terrorists and secret services, they have near to no value for the average Internet thiefe. Even if one could get in, there are no bank accounts lying around with money in them.
Home users have none of that, once you are on their PC you get everything. Sure their bank account will only net you a few thousand on average, but you get it easily.