I've never figured out the fuss over ransomware:

Some day soon, you may go in and turn on your Windows PC and find your most valuable files locked up tighter than Fort Knox.

You'll also see this message appear on your screen:

"Your files are encrypted with RSA-1024 algorithm. To recovery your files you need to buy our decryptor. To buy decrypting tool contact us at: ********@yahoo.com"

How is this any worse than the old hacker viruses that put a funny message on your screen and erased your hard drive?

Here's how I see it, if someone actually manages to pull this up and put it into circulation, we're looking at malware Armegeddon. Instead of losing 'just' your credit card numbers or having your PC turned into a spam factory, you could lose vital files forever.

Of course, you could keep current back-ups. I do, but I've been around this track way too many times to think that many companies, much less individual users, actually keep real back-ups. Oh, you may think you do, but when was the last time you checked to see if the data you saved could actually be restored?

The single most important thing any company or individual can do to improve security is have a good backup strategy. It's been true for decades, and it's still true today.