A way of controlling access in which the owner of a file decides who else may open it.
Like the owner of a house deciding who gets a spare key.
An employee shared a client folder using a link that anyone could open. Weeks later a search engine found the contents.
Cloud covers permissions and sharing settings in your Microsoft 365 or Google workspace.
How do I avoid oversharing?
Share with named people instead of anyone with the link, and review sharing each quarter.

Every WILDCARD card exists to solve one named problem. Find yours.