Q. Is this really as harmful as you think?
A. Go to your parents house, your grandparents house etc and look at their Windows PC, look at the installed software in the past year, and try to use the device. Run some antivirus scans. There’s no way this implementation doesn’t end in tears — there’s a reason there’s a trillion dollar security industry, and that most problems revolve around malware and endpoints.
I will never find out exactly when your bank data is stolen because of this, so I’m just going to laugh about it now.
Go ahead laugh. Because you will indeed forget all about it and never remember your doubts and panic laughter as nothing will happen.