Tracks - Are they really innocuous?

[bjmcdow]

My cousing was recently the victim of an "account takeover" at his financial institution. He was instructed to immediately run a virus scan on his computer, change all passwords, etc. We updated all of his spyware detection and anti-virus tools, ran the scans (several times each, just to be safe), and everything seems to be pretty good except for this one thing that gets "fixed" but then comes right back - MS DirectInput. Reading through the forum, it appears that this is dismissed as just "tracks" and nothing to worry about. However, if my cousin was the victim of a banking trojan and/or a keylogger, shouldn't he be worrying about this MS DirectInput? If not, can someone explain why not? When we researched banking trojans, the info was really disconcerting. It appears that newer strains are able to hide from malware detection programs pretty easily.

So, is MS DirectInput showing up as Tracks really nothing to worry about?
Short of a reformat and clean install (for which he can't find his software), how does he know that he's protected?