bored high schoolers and others are indeed interested in breaking into
any pc or mac if they can, both for practice (you have to crawl before
you walk after all, even in cyberspace), possibly doing something
relatively harmless like changing your' background image to porno, or
wiping your drive, or checking the cache of your browser for credit card
info.  

the port scans aren't that dangerous, it's when they come back later
after spotting you're machine that it's usually a problem.  most people
haven't been stung yet, the posted lists of stolen credit card numbers
are frequently so huge that most of the numbers will never be exploited,
it's often an embarrassment of riches.  

then again, if it happens to you, and your traveling out of town and all
your credit cards are suddenly maxed out, your phone card is used up,
you don't have cash, you can't call home or buy gas, then it's a
problem.  not to mention that credit reporting agencies would just as
soon call you a deadbeat as believe that your' credit card info was
stolen, until you prove it to them, and then hopefully you'll notify all
of the agencies that do this.  

or how about if they use your credit card info for a porno fest and to
order some semi-licit drugs online, just try to fix that when a
prospective employer runs a background check on you.  

if you've had an unprotected pc connected for years without a problem,
i'd say you are truly amazingly lucky, more likely the machine has been
scanned and nothing interesting found and the kiddies found someone more
interesting to mess with.  yes, user error is rampant, but there are
hordes of bored teenagers and real criminals out there trying to break
in.  

industrial espionage is rather common, any machine with useful business
information is well worth protecting, unless you want all your customers
to switch to the competition when they magically manage to underbid you
just slightly on all your accounts (after all, different customers are
usually given different deals depending on the size of the account, how
well they negotiate, and how much you want to do business with them). 
if you run a small business, then you only have to worry about how
skilled your competitor and his employees are, if it's a large business
there are plenty of people and firms available for hire that are more
than happy to help you break the law.  

extortion by hackers is fairly common, usually they pull down privileged
info or your customers credit card list, and offer you the chance to buy
it or have it posted on the net.  these cases are rarely reported to the
authorities, the extortion works because the bad press is worse than the
actual loss of data security in most cases.  believe me, when you get a
list of customers, their credit card info, their purchase history etc.
with an offer to be embarrassed or pay them off, most will pay them off.
 banks have been hit as well, and some of them have reported it, but i
have to suspect most have not.

if you need any proof that the hackers are out there and hunting, go to:
< http://www.counterpane.com>
and spend some time reading.  admittedly they are in the security
business, but those are about the only people with inside information
about how common these problems are.

for the average home user, mostly you should be afraid of having credit
card info stolen, and possibly being embarrassed when your personal
emails are read by all in a high school computer lab.  most people have
sent and received emails they'd rather not have on public display, and
few use encryption for several reasons.

your living on borrowed time, then again some people never lock their
doors, and they are usually safe, until that one terrible night....  as
some have said about network security, "it's not if you're paranoid,
it's if you're sufficiently paranoid"

Nick Harman wrote:
> 
> A lot of people seem to be sitting at the network port of their macs armed
> with shotguns muttering 'make my day'
--------------

-- 
As has sadly been recently documented once again, there are three major
gangs, the crips, the bloods and the badges, watch out for the badges.....

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