"Boo! Now buy these products and services so you don't feel scared!"
I know some sites (okay, lots of sites) have bad practices when it comes to cookies, but storing credit card information in there? More often you will come across sites that receive your card number without SSL and store it unencrypted in a database accessible by SQL injection.
Another random comment: with the families I know, usually the parents unknowingly download the malware and the kids can't stand it because it slows down the machine.