Andrew Schober was almost all-in on cryptocurrency. In 2018, 95 percent of his net wealth was invested in the digital tokens, which he hoped he could sell later to buy a home and support his family.

But then disaster struck. Schober had downloaded an app called “Electrum Atom” after clicking a link on Reddit, mistakenly thinking it was a bitcoin wallet. Instead, it was malware that allowed hackers to steal 16.4552 bitcoin when he tried moving some of his tokens. At the time, they were worth nearly $200,000. Today, they would be worth over $750,000.