Wonderful! Having gone through the link you posted which is so surprising that those perpetrators could be ignorantly allowed to breakthrough based on the Exchangers loopholes known as Back doors into millions of customers data demanding for such XRP randsome. I can though on a lighter mood agreed with you that it is the 4th generation that are mostly dangerous. But on a serious note, that is why Every holders of Bitcoin are highly warned to critically secure their wallets from these Hackers [probably with strong Pass-phrase for encryption] who uses sophisticated machines. Exchangers could implore the usefulness of Hardwares such as Ledger Nano S for instance in securing their Wallets. Holders are equally advised to withdraw their Coins back to their personal Wallets as soon as their transaction with the Exchangers are completed, unless for the Day Traders who believes and trusted the Exchanger they make use of at any point in time.