By not applying a patch you might be leaving the door open for a malware attack, including ransomware. Malware exploits flaws in a system in order to do its work. Unpatched defects in software may allow malicious websites, etc. to infect or compromise your computer with no action on your part.
When flaws are located and exploited they can give scammers just enough time to download keylogging software (as an example). Hackers are then able to capture passwords you enter on the device. This can include your banking passwords and also email passwords that give the hackers access to all of your contacts to become targets as well.
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