Rapid Reponse is to do with fixing vulnerabilities, that is NOT the same as anti-malware,
And when that vulnerability is already being exploited in the wild, it's usually via "malware."
I think that the citation that I gave to the TidBits article explains it all perfectly well.
macs can get malware from various multi-platform, web sites, scripts and embedded in pirated software written on macs.
Macs are less common than Windows, but there are still lots of macs users and lots of users who are not-tech savy who are vulnerable to attacks. Also, just because MacOS is more secure is not the same as 100% secure, because no computer is.
No one said that "the Macintosh is invulnerable." The question was whether a Mac user currently needs extra anti-virus software. They don't. The built-in anti-malware software is as competent as any third party software.
There *have* been examples of malware in the wild for the Macintosh (just about all of it now hardened against), though nowhere near the same number as for Windows. There are usually only about four or five new examples of malware for the Macintosh every year. (Compare that to the shocking 300,000 new pieces of malware created DAILY for Windows!)
https://techjury.net/blog/how-many-cyber-attacks-per-day/
New malware for the Mac are just about always Trojan Horses (not viruses) so they are very hard for the bad guys to successfully disseminate without being caught and put in prison. When they crop up, the source is usually shut down quickly and the Mac is hardened against them before any ordinary users are threatened.
You can get different products for macs including AVG, Avast, Norton 360, MS Defender, Mcafee and so on.
Forgive me for saying so, but you sound very much like a former Windows user who doesn't really understand that things are different for the Macintosh. Not only are some of those products not at all popular for the Macintosh, some have been shown to be ineffective in comparison tests, or worse, they contain malware or adware of their own. Most importantly, most of the fully interactive anti-virus products for the Macintosh have been implicated with nasty slowdowns. Commercial anti-virus products are more trouble than they are worth for the Macintosh.
I would agree with the banker, and get some well known antivirus product installed for extra defence.
I think that Macintosh users need to be getting their Macintosh advice from known Macintosh authorities, not from banks (who don't have the first clue about Macs) or former Windows users (ditto). I think that folks should check out the links that I gave previously, and they might also want to have a look at:
Do Macs Need Anti-Virus Software?
https://macmost.com/the-practical-guide-to-mac-security-part-9-do-you-need-anti-virus-software.html
I can give lots and lots more citations if anyone is interested. This is a topic that comes up all the time, and which I have followed closely for decades.