Identify one choice the writer made in the paragraph below with regard to commas (either using a comma or not using a comma), and comment on the effects of that choice. Are there other alternatives for punctuating the sentence that the writer might consider?

Phishing has been classified as the cycle by which cybercriminals use endeavors to acquire touchy information. With keen personal skills, phishers trick individuals effortlessly to share their information everywhere and have no idea if a site is legit. User logins secure passwords, employers-backed retirement numbers financial information and individual particulars, such as individuals' social security numbers, names and even addresses; are inquired about while phishers are disguising themselves as reliable or natural sources. Phishing can be considered an oddity and is significant since programmers must finish something, yet whoever has access to the web are open to these assaults.