Jeffrey, you made a number of claims without evidence.  I only asked you to cite what has actually happened so we can assess for ourselves the probability and harm of such breaches.  I want to keep this real, not theoretical.  I never said I denied any danger exists as is clear from my posting.

Robert, I think the main differences among organizations is how they raise capital, start-up and ongoing, who takes the risk, and how they distribute profits.  Nonetheless, all organizations have to produce some good to some one to justify their continuance.