I’m worried about the new Australian anti-encr…

I’ll list my concerns in descending order of importance to me:Criminals. I have been targeted by criminals in the past and believe that they are still interested in finding me. From what I understand, the new anti-encryption laws in Australia make it impossible for me to know that there’s no flaw in any encryption I use. I’m worried that once a backdoor is opened up the aforementioned criminals could use some unbeknownst-to-me channel to access information that could expose my location or other important information about me, including but not limited to information saved on my hard drive, encrypted or not. Should I also be worried about the possibility of evil-doers putting on my computer some files that I don’t want to be there? On the subject of criminals, could they grab my banking details next time I use PayPal or my credit card online? Should I give up on online banking?Torrenting. For reasons I don’t want to get into, pirating my entertainment is the best of a limited number of options available to me, and I’d like to be able to keep doing it. I use a VPN whose headquarters are located overseas, but I don’t know if they’re secure because from what I’m hearing, nothing is safe. Am I right in understanding that at any moment some unbidden Windows update could sink some spyware into my computer and allow the government or others to log my keystrokes, watch me through my webcam, listen to anything I say, see what’s on my screen, and peruse my files? Or could the mobile company whose network I use as a hotspot for my downloading and browsing be able/called upon to track what I do?A way to have fun. One of the items in the government’s list of “serious offences” that they say they’re targeting is drug dealing. I have never done so, but I would like to have available the option of ordering something on a darknet market. Should I forget about this completely? Is tor vulnerable?I wish there was a book I could read to learn about this stuff and get all the answers I need to remain anonymous, but it seems that the technological landscape is too fluid. I guess I could read a few dozen articles about internet security, but many seem to have conflicting information and I don’t have enough of a grounding to judge for myself. I’m able to give relatives advice on how to use their computers/phones, but I’m really not what you’d call “tech-savvy”. Thank you for any light you can shed. Maybe other people’s concerns can be discussed, too. It seems like a pretty big deal for Australians.