I'd like to attempt answering this question as this is part of my mock-exam question.
its important to make mutable data members private so that other classes or the main class will not be making direct changes to the data members in the class without going through the necessary logic processing within the class.
in some scenarios, say entering a String based data member called name, the data to be inserted into the data member may require validation and processing before it can be stored within the object for integrity of use later on with other classes.
the consequence is that any changes made to the data member requires the class itself to make those changes. no other classes have access to add,modify or remove values from the data members within the class.
the common work-around the consequence is to create the necessary get and set methods for each of the data members.