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See also Matt Levine's take on ransoms (scroll down):

https://www.bloomberg.com/opinion/articles/2019-08-27/the-li...

And the linked article:

https://www.propublica.org/article/the-extortion-economy-how...

Tl;dr: perverse incentives, paying some ransoms is in the interest of cyber crime insurers, as it expands the cyber crime insurance market. Also there's more ransomware crime now that the word is out that insurers do pay out ransoms.




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