By default all applications should be sandboxed. Why should a random application be able to read/write to every user directory? We enforce process separation in memory, we should do the same on disk.
not a bad plan, but also, all data should be backed up. In this 'cloud age' of computing, there's no reason, and no excuse. I certainly don't want to blame the victims of ransomware, but if that data was so important that they paid ransom to get it back, why didn't they back it up ?
Just for my Windows PC I have three backups. One on the machine, one on an external hard drive and one more in the cloud.
How much did it cost me? $80 for the 2TB hard drive and $8 a month for unlimited cloud storage and backup. A small amount to pay to make sure you're covered in nearly any disaster scenario, including ransomware.
Backups have to be coupled with some kind of way of noticing that something is wrong. If the ransomware encrypted your data slowly over the course of months and you didn't notice you might be out of luck regardless of your backup system.
For average joe and jane security is a nuisance.
That is how many of these exploits work, regardless of the OS.