The damage it can do to anyone should be sobering to all of us. I have a family friend who ignored my advice about backups and the value of a dedicated "internet surfing" computer. He got one of the latest ransomeware bugs and lost 6 months of data ("I'm too busy to do it now").
I even offered to set him up with a 2nd computer (for surfing the web) but he scoffed at me ("Too complicated!").
He's right about being too busy - what with spending all his freetime trying to recover all his stuff.
I do a disk clone operation every month to both an external USB hard drive I keep in a safe deposit box at the bank, and another clone to an internal hard drive that I unmount after I image it.
I have lost data in the past. I can live with a month of data lost on my home computer, if that is what happens.
I’ve heard “too busy” too many times.