Below are a couple of articles that might answer some of your questions, but please note that I have never used anti-virus or a VPN on my Chromebook and can't vouch for any of that.
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Is it safe to use your debit or credit card details on your Chromebook?
https://www.chromecomputing.com/is-it-safe-to-use-your-debit-or-credit-card-details-on-your-chromebook/
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Do Chromebooks Need Antivirus Software?
https://www.security.org/antivirus/chromebooks/
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