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It's interesting when you put it that way.

In the Horizon case, and no doubt in many cases to come, the crime is committed by a company against the public. They tried to pass it off as incompetence, and blame "systems" but I expect the public enquiry will lead to criminal proceedings against Fujitsu now.

Big companies may laugh at fines for treating their customers badly, but I hope to see many more ruinously brought to book for their criminal incompetence.

> hence, cost of incompetence = cost of all cybercrime + n.

Where n is at least as large as the other part. Scary!