Actually, the Ryzen 3 is a good cpu for someone who doesn’t game or do video editing/CAD stuff. Its a cost effective option for someone who surfs the net and uses the computer more for work vs gaming. The next step up would be Ryzen 5: New,Desktop,More than 1TB,AMD Ryzen 5 Desktop Computers | Newegg.com
Some of these Ryzen 5 now say gaming computers. Most of the Ryzen 7 will say gaming rigs as well: New,Desktop,More than 1TB,AMD Ryzen 7 Desktop Computers | Newegg.com
Honestly if the price is really close, I would go with a Ryzen 5 but thats me. Notice there is a big price jump to the Ryzen 7 since now you are moving into more expensive video cards (gaming) and more RAM. Of course we all have differing opinions on this but if you want/need a good home desktop for banking and surfing the internet a Ryzen 3 is an excellent choice IMHO. HTH…doc
edit: the Ryzen 3 as Andy said is fine for watching videos on Youtube or your streaming provider like amazon or netflix, can handle browsing the internet and doing simple stuff like spreadsheets. An expensive video card and some more RAM would probably give you a decent gaming rig since most games run off the video card - not the cpu. Let us know what direction you end up going and how happy you are with the rig