The three goals of information security: keep data private, keep it accurate, and keep it available when needed.
Like the three promises of a good safe-deposit box: only you can open it, nothing inside is altered, and it is open during business hours.
Which matters most to a small business?
It varies: a clinic worries about privacy, a shop about availability of its till, and an accountant about accuracy.
Every WILDCARD card exists to solve one named problem. Find yours.