Which category of risk has the highest probability of occurrence?  Explain your answer.

What will be an ideal response?

Data loss caused by user error has the highest probability of occurrence, although its impact is typically limited to a single database or application. User errors may result from accidental modification or deletion of data by an authorized user, or they may be the outcome of malicious, unauthorized access. Database administrators represent a particularly high-risk category of authorized user due to the broad set of permissions necessary to perform database management functions. Client applications that lack adequate testing and contain bugs, which cause systematic errors, are also a type of user error.