&gt;Sure - in an ideal world the law enforcement would just catch all the bad guys and manage to get the money back. But when that doesn&#x27;t happen a business has to account for it.&lt;<p>IMO, the resources aren&#x27;t there...and it&#x27;s not complicated...<p>Cyber crime, fraud, identity theft...the manpower is simply not there to keep up with it all...sometimes you&#x27;re lucky if someone has the time to complete a ticket, or report...<p>It&#x27;s very possible conditions could get much, much worse before&#x2F;if they improve...<p>IMHO, at a business level all sorts of decisions are being made that aren&#x27;t going to be popular with the public...