More's Law ... more or less.
More(profit.per.fraud) x More(potential.for.fraud.data.breaches)
x More(people.trying.to.commit.fraud) = More fraud
Add some economic hardship into the equation somewhere.
+ or x More(economic.hardship)
What's the answer to that one? More...
Internet crime (FBI Internet Crime Complaints Centre Report 2007.pdf:
1. 20% More profit.per.fraud.
2 Under-reported? + more
3. Under-investigated? - whatever
4. 0.3% Less fraud reported (insignificant statistic)
Of course potential.for.fraud could be less in times of More(economic.hardship) resulting in
less profit.per.fraud, but that will probably be balanced by More(people.trying.to.commit.fraud) in times of