I despise all forms of bullying. Perhaps the one I hate most of all is where the bully takes a personal item, snatching it from you, and refuses to give it back. It's dangled right in front of you, but held just out of reach. You'll only get it back after doing whatever the bully wants.
Ransomware is an on-line form of the bully's game of keep-away. Here, the bully gets on your computer and takes your personal files -words documents, photos, financial information, all the things you care about. Those files are still on your computer, dangling in from of you, but they are encrypted now, useless to you. In order to get them unencrypted, you'll need to pay the bully 300-500 dollars.