> I think this does not acknowledge how incredibly asymmetric the difficulty is on each side. It is expensive and difficult to protect against security breaches,
I'm not an security guy, but occasionally, I get asked by a friend that has a big IT problem for a second opinion, and that has happened with ransomware six times in thee last three years. From what I've seen, ransomware attacks are the result of a conspiracy of neglect and a couple global IT mistakes:
* Backup/restore doesn't work at all, which is really the story on every ransomware attack I've seen. Testing and verifying operation was neglected.
* Services are not partitioned in a way that isolates them from attack. For example, backups are stored on a writable network share leading to the backup being encrypted by the ransomware. This is often because getting access control on a service right takes time, and does make it harder for users when they are doing something out of the ordinary.
* User access is read write on everything and uses shared credentials (for example, using the same database user account, with admin rights on all services that touch a database server). This makes it easy for the IT guy, and makes it very easy for the ransomware to spread through the network and take down stuff it shouldn't be able to touch: like the tables for your billing system.
* There's a false belief that you can isolate an insecure network for the secure one. This may work (in theory) in a data center where there is ironclad control of what is connected to the network, but in an office environment, this is impossible. Companies who run their internal network like an ISP where nothing is trusted do a lot better.
* Out of date server software has massive vulnerabilities and hasn't been updated in years and years. This is often because someone customized something and did not maintain it, and eventually, it became impossible to upgrade. So, the admin leaned in on the belief that they could secure the system at the network level.
Insurance companies will have to insist on a few practices if they want to actually be able to sustainably insure against ransomware:
* Working backup / restore
* No shared admin credentials
* Zero trust on the LAN