Here’s the deal: if you or a loved one gets ransomed, provided you pay the fee, the person doesn’t get hurt or injured, and everything can proceed as it had before without any loss to life, liberty, etc. But if your computer comes down with ransomware, you may continuously end up paying the ransom and never get your files back.
Additionally, there are some ransomware programs that will delete all your information if you don’t pay the fee; and they’re designed by hackers with no oversight whatsoever. What this means is that there are no standards against which the hackers are held. So if the worm only works in a one-way encryption, that doesn’t matter to the hacker.