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.