This graphic speaks volumes about Point-of-Sale (PoS) systems:
From Defending Against PoS RAM Scrapers: Current Strategies and Next-Gen Technologies in Trend Micro.
All is not entirely lost. PoS RAM Scraper Malware: Past, Present, and Future by Numaan Huq, also of Trend Micro.
If you want to understand PoS RAM scrapers at a deeper level than “malware, bad,” this report should meet your needs. It runs ninety-three (93) pages with seventy (70) references.
In terms of security policy to encourage better cybersecurity, losses from bugs in no longer supported software should not be eligible for insurance coverage as business losses, nor tax deductible.