You have to pay for hardware login tokens? In most of Europe, they're not only free, but mandatory.
And, depending on how un-savvy you're talking about, I'd recommend just doing internet banking at your local bank. Just set all regular bills on auto, and configure your account to text you if something unusual happens (like your current account is running low). Then you should only really need internet banking a handful of times a year.
I realize that opinions on this differ, but I think that automatic bill payment is a horrible security practice.
Just last week I was paying with credit card in which the merchant punched in $5504 by accident instead of $504. Had I not noticed it right away, at least I'd get another chance to correct the error when my credit card bill arrived. With auto-pay, my bank account would have been emptied.
What would you do if some sort of auto pay error emptied your bank account? These things take time to resolve. What if it's a weekend, or a holiday, or you're traveling overseas, or the entity that caused the problem is on strike, or they want a written dispute from you?
I like auto payments for regular payments such as a gym membership of $X/month and even for payments that vary somewhat but are from pretty reliable sources (monthly utilities--maybe) but NOT for credit cards. Credit cards are all sorts of different charges every month for all sorts of things in all sorts of circumstances. You really should look over the charges each month and figure out any that don't look right. Auto payment trains you to ignore something you should train yourself to keep an eye on.
Many banks allow you to set a max for an ebill. However, 99% of my auto payments are fixed amounts, so your scenario doesn't apply. Auto pay is the only thing that keeps my bills paid on time (I suck at paying bills manually).
I wouldn't (and I don't) have autopay on the credit card. Anyway, if suddenly my current account is emptied for some weird reason, I have backup funds that can be transferred to the current account in five minutes on my phone.
Also, I started from the assumption of a non-technical person with "simple finances", so no credit card.
And, depending on how un-savvy you're talking about, I'd recommend just doing internet banking at your local bank. Just set all regular bills on auto, and configure your account to text you if something unusual happens (like your current account is running low). Then you should only really need internet banking a handful of times a year.