My parents are both very intelligent. My mom (a PhD) actually fell for one of those pop-ups that warn your computer is infected. It took many phone calls to reverse the automated charges...

That being said, getting my parents from Windows to Mac was to biggest ROI. Before, with Windows and even Malware Bytes Anti-Malware, I had to literally drive home hours for emergency tech support.

However, I’ve educated them against popup clicking now so much that they pointedly ignore Mac update popup notifications. Oh well, it is what it is. And what it is is much better now in Mac land.