Ransomware /is/ terrifying, assuming you don't have a backup, there's nothing anyone else in the world can do to get your stuff back after it's been encrypted.
Fortunately, the people who distribute ransomware do decrypt your files if you send them cash. Apparently they have really friendly customer service staff running 24/7 as well. Still awful criminals but at least there's a way out if really important stuff gets held hostage.