Those two practices, typing in "www.wellsfargo.com" instead of clicking on a link that suggests it will be taking you there, and never, ever, opening any attachment, cuts down on 95% of the malware attacks that these people experience.
Most non-computer users aren't sophisticated enough to understand what links they can, and cannot click on, so they are safer just typing out URLs and navigating from there. It's great advice for those people. Bookmarks make the practice a little more efficient as well.
As much as we computer sophisticates despise the "Walled-Garden" aspects of the Apple Store (and soon, the Microsoft Store) - those should also significantly reduce the amount of malware people end up installing when they add new programs. It may not eliminate it (as we saw when Path uploaded people's Address Book information onto their servers without asking the user permission) - but, between application review + client-side checks on privacy - malware infestations have experienced a radical drop on stock iOS devices vs what a user's computing experience used to be in the Bad Old days of Windows 95/XP in which even _I_ got nailed by a trojan or two.