The cost to a business of trying to recover “kidnapped” documents from backups is often so high that it becomes cheaper to simply pay the ransom. And insurance companies seem happy to go along with this <https://arstechnica.com/information-technology/2019/08/how-insurance-companies-are-fueling-a-rise-in-ransomware-attacks/>. And the consequence, of course, is that the crims get even more bold and more demanding ...