i have the feeling based on a recent experience that at least for individuals, you’re not really « targeted ».it’s more of a fishnet approach , and then some people will do the hotline to help you pay the bitcoins.

The guy asked my hijacked friend for the equivalent of 200€ in bitcoin. I don’t see anyone spending time specifically on his case for that amount. A skilled hacker able to « target » someone could make much more money actually developing real software.