You're kind of missing the forest for the trees here. You think security is something external. You set up a password or install this program, and everything will be secure. You are absolved of all responsibility after that point.
Security is less about passwords or firewalls, or whatever else these rather sensationalist and light on detail articles tend to suggest. You want to know the biggest reason people fall for those Nigerian 419 scams? The one about the Nigerian prince or oil tycoon who singled you out, of the millions of people on the Internet, to share this once in a lifetime opportunity if you just help them smuggle and launder all this money out of the country. The reason people keep falling for those, is because those of us from first world countries tend to think we are more sophisticated than someone from Africa. No one from Africa could ever outsmart someone with a college degree? Those Africans are just a bunch of nomadic dirt farmers after all! And so you STILL see people falling victim to these scams.
Security isn't about two factor authentication or some kind of secure email address. Security is more of a state of mind. If someone sends you a message out of the blue, saying how they have this fantastic business opportunity for you, no two factor authentication, firewall, secure email address, whatever, is going to save you if you're dumb enough to respond. Security is about recognizing that such a scenario is 1) too good to be true, 2) came to you unsolicited, 3) is a well established scam pattern by this point, and 4) likely breaks all kinds of international finance laws. I could probably go on, but that should be sufficient.
So my advice would be to stop filling your head with this useless fluff about email accounts for storing passwords and whatever else. It's just a bunch of garbage designed to get people to read the article and generate ad impressions. There might be one or two little nuggets of useful information in them, but they in no way justify the time wasted reading the thing to find them.