From what I understand, ransomware insurance is already a thing. With the policy you get someone who negotiates the price and pays the ransom directly to the ransomware gang, which bypasses some laws against paying ransomware directly.
In theory, this helps with lower prices, negotiated support policies with the ransomware criminals to ensure the decryption process goes well, and they keep cryptocurrency available so the policy holding company doesn't have to scramble to get millions of dollars in crypto in a day or two.
Similar to kidnapping negotiators, ransomware negotiators often have the experience to produce a better outcome
In theory, this helps with lower prices, negotiated support policies with the ransomware criminals to ensure the decryption process goes well, and they keep cryptocurrency available so the policy holding company doesn't have to scramble to get millions of dollars in crypto in a day or two.
Similar to kidnapping negotiators, ransomware negotiators often have the experience to produce a better outcome