The problem is that most anti virus programs do not detect ransom ware so you have to have, yet another, intrusive program on your computer. Multi layered security was mentioned but most of us are just casual domestic users not only can we not afford tip top multi layered security we, to be honest, cannot be a***d. I only have Defender on my computer and the free Malwarebytes. I also have Cryptoprevent to protect against ransom ware. I do not do any banking on my computer although I do use Ebay and Amazon and Pay Pal. I do not go to any dodgy sites that I am aware of and if I get an email from an unknown source I delete it immediately, if they want me that badly they can ring my phone and talk to my robot. So far, 15 years and counting, apart from some Pups I have been okay. My other self protect measure is that I back up EVERYTHING twice to external hard drives that are not connected permanently to my computers.