The credit card scam that has not received much attention is the one where clients and customers obtain products and services by charging a card and later claiming fraud to get their money back.

As most Americans log on after a long holiday weekend from work, they are eager for all kinds of sales and savings. They probably aren't thinking about cyberterrorists, rogue states, and great powers eager to take the U.S.A. down a peg or two. But maybe they should.

Who fits the profile of a scam victim? Roughly 34 million people -- according to a just-released AARP report, Caught in the Scammer's Net. The report finds that 15 online behaviors and life situations may significantly increase a person's vulnerability to online fraud -- and nearly one in five American adults engage in at least seven of them.

In today's "big data" world, businesses are increasingly basing corporate and marketing decisions on the information obtained through social and behavioral data. However, should this data be outdated, inauthentic or fraudulent, serious and detrimental results can occur.

It's not just small companies that have security breaches. Even Fortune 500s and government agencies are regularly breached. As a consumer, make sure that you understand the risks to your personal and financial data.

After all, wasn't it my fault in a way, for making this woman fall in love? Here was this poor heartbroken woman who had convinced herself she was in love with a man -- a man that looked exactly like me. Did that implicate me in her predicament?