Sounds like someone needs to invest in some security software. If your new to computers, or don't have a clue what your doing. I'm sure someone at some point has told you to invest in a Anti Virus. Most ISP's now adays provide them for free.

If your computer is riddled that bad with Virus's You need to not be playing video games and get ur machine fixed. If you don't run an Anti Virus then it's nobodies fault but your own when you loose your bank account / gaming accounts.

It is ALL over the internet. Ignorance is NOT an excuse.