I do similar talks for regular users* and I try to explain how to prioritize risks, and why they might not be focused on what's really important. Purchasing an anti-virus suite and identity theft protection and worrying about online banking are way overrated.
Strong consumer protections exist in many developed nations which limit your liability, it is the banks who stand to lose. No doubt it can be a hassle if your credit card number is stolen, But that card is the bank's property. You just report any fraudulent transactions and get a new card if necessary. The more important thing to protect is your private data, you can't get that privacy back.
Also, NoScript is awesome and I highly recommend people try it. It can be fiddly to get working at first but a surprisingly high percentage of websites work better without having to white-list anything. It also helps with privacy by blocking trackers like Google Analytics, especialy on sites like Troy's which lack a privacy policy and do not provide any warning at all about third-party trackers to site visitors. Pretty new site redesign, same lack of transparency as before.
* By 'regular users' I mean when I say "Try an ad-blocking extension with your browser, add it from the menu" and they say "What is the menu?" and we build their knowledge up from there... . It can be frustrating for all but I highly recommend it as it keeps you grounded and provides balance for the HN bubble I sometimes find myself in.