How can a key-logger be detrimental to personal security?

A key-logger can be particularly detrimental to personal security because it has the capability to capture and record every keystroke made on a device. This includes not only general typing but also sensitive information such as passwords, credit card numbers, and personal messages. When this information is collected by a malicious actor, it can be exploited to gain unauthorized access to accounts, steal identities, or commit fraud.

The serious threat posed by key-loggers lies in their ability to operate covertly, often without the user’s knowledge. They can operate on various devices and platforms, making them versatile in their attacks. Because the collected data can include a wide range of sensitive information, the implications for personal security can be severe, leading to financial loss and impaired privacy.

In contrast, other options suggest limitations or inaccuracies about key-loggers that do not align with their actual function. They can affect more than just desktop computers, can maintain extensive records of keystrokes, and are often designed to evade detection, thus complicating efforts to identify or remove them.