Let's take a File System for a second as example. If you wrote your personal data on some disk drive and then to read this drive you need let's say Mac/Win because it's a closed format. And Mac/Win cost money. How it differs from ransomware then? Sure you have more time to decide, usually more than 3 days and it costs a bit less, but is it much of a difference there? Probaly a choice to start using it, but is it really a choice? In many cases it's not really. So back to your point, I understand it, but do you?