It has been a combination of both.Some folks state that while the Internet was created to be a good thing,somewhere along the way it has become a bad thing.The cyber bullying,hacks that scammers use for the purpose of stealing from folks and also stealing from financial institutions and banks,along with consumers banking and financial details,and the latest about getting around encryption that many websites use to protect against this problem,the harm has become stressful to deal with and fight against.Online security needs to be strengthened.