Now if you really bought a machine in early 2000s... you probably need a new machine altogether. You get a decent machine for less than $500. Unthinkable price when XP was first out. You can turn your old old machine into Linux... or just to play old games.
Now, are Microsoft's patches invincible? How many XP machines get infected even if they have all the patches? Even with latest anti-virus running you still can get virus. In general you just DO NOT surf the wild web on Windows machines... too risky. Go only to well known sites. Try a more robust thing such as Android or Chromebook. There is NO registry for virus writers to hack.
Oh and they say 95% of the ATM machines are Windows XP.
Now are the ATM on the web? I suppose they make some webservice call to update your account somehow. Are banks doing anything about it? Doubtful Well they are not adding some smart card chip in credit card for more security. If it cost them money, even little, banks won't do it.
I thank Windows XP for years of faithful service. the oval start button was a eye-opener. It used to be a boring rectangle from Windows 95/98/2000. See, that upgrade worked well. People get prettier stuff from 95/98. It was a positive upgrade eXPerience.
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