It's important to save backup frequently. These days there are many easy to use and reliable cloud based and physical storage to store your data so in most cases it's up to you to take care of it.
Many of the ransomware cases were done with insider help. Profit is shared half half with the Russian coder.
This. Someone had been infected with a ransomware that detected the user's nation and asked for ransom in his language and in BTC. It even offered an exchange service to use to convert the national currency into BTC lol This person had important files on his HDD so he decided to pay the ransom in the way the program asked for it and in the end his computer got unlocked.