Ransom attacks are a colossal problem, yet the solution is oh so simple:
1. Get your passwords organized
2. Enable two-factor authentication
To protect your identity and data, never trust your passwords to memory, or save them to a file on your computer. Use a dedicated password manager such as the Keeper.
For services that support it, enable 2-Factor authentication and use the Google Authenticator app or the $18 FIDO U2F Security Key on Amazon