You are given a task by the National Cyber Investigative Joint Task Force, led by the Federal Bureau of Investigation.  The specific task is to create a PowerPoint presentation on what you, an independent analyst, consider to be the single most serious threat to cybersecurity.  You can choose any type of cybercrime, but must address the following:

1. What is the cybercrime (specifically) you are choosing to present on, and why?
2. How is it implemented (i.e., how do attackers use it for their purpose?)
3. What are the potential costs of this cybercrime (e.g., personal data breach, loss of money, denial of service, etc.)
4. What criminological/psychological theory is best able to explain why individuals choosing this cybercrime do so
5. How do we protect against future attacks of this nature?

The head of the Task Force needs your presentation to be at least 8 slides (not counting the title slide or reference slide), and no more than 12 slides.  Further, a reference page should be provided so they can read up on your specific cybercrime.  Lastly, be sure to minimize grammatical and spelling errors.