I would add risk, essentially security. Some companies have gone light on this because the liability/cost of failure was not so much. But at some point, some

I would add risk, essentially security. Some companies have gone light on this because the liability/cost of failure was not so much. But at some point, some of those risks become real. The costs aren't always apparent, because that's the nature of 'black swans' - but the systematic risk is.