Frisell Says: the Most Important Online Threat Facing Us Today

Frisell says: The most important online threat facing us today is identity theft. Consumers have to rely on online shopping today more than ever, and they are exposed to all kinds of dangers by people gaining access to credit cards, bank information, and Social Security numbers. Identity theft is a lucrative "business," and identity thieves will keep finding new ways to rip off consumers as long as online shopping and transactions are widespread.
Scofield responds: Consumers have suffered from online theft, but the most far-reaching danger to people today from the internet is viruses and malware. These have the capacity to take down entire networks, affecting both businesses and consumers. It's not clear that anti-virus measures will ever be able to keep up with all of the threats that are out there.
Which of the following is the point at issue between Frisell and Scofield?
Whether malicious online activities continue to pose a major threat to computer users
Whether most computer users are sufficiently conscious of the online threats that are present
Whether identity theft or viruses are the bigger online threat
Whether businesses are significantly affected by online fraud
Whether consumers are significantly affected by online fraud