Online Scam or Fraud

Unlike a stolen card, money you're talked into sending is gone for good - no bank reversal, no fraud department - and a serious scam can clean out savings or an entire retirement, which for someone with no working years left to rebuild it is close to permanent; that potential for major, often unrecoverable loss puts the Impact high.

Scam attempts reach every household constantly - texts, calls, fake stores, support lines, romance and investment plays - and the social-engineering scripts keep getting better, so being targeted is certain and being caught out is a real, recurring risk.

This number is yours. It measures how hard Online Scam or Fraud would actually hit your household given what you already have in place. Rate it in Threat Planning — then all three multiply into your personal threat rating.