Three data points make the case clearly. Vulnerability exploitation grew 34% year over year according to the Verizon 2025 DBIR, now accounting for 20% of all breach entry points. Ransomware appeared in 44% of breaches, up 37%. And the Coalition 2026 Cyber Claims Report found that 52% of Funds Transfer Fraud claims started as a Business Email Compromise, with average losses of $112,000. In each case, the financial damage begins before recovery tools can respond.