I believe that most good to the world would be done by first working out the theory & then developing an applet, EG website, that lasts long, and will automatic

I believe that most good to the world would be done by first working out the theory & then developing an applet, EG website, that lasts long, and will automatically determine the best possible backup solution "real-world." This would use Bayesian heuristics, openly available data, user's personal requirements. Non-technical granny can press the buttons, it gives them a printable PDF-sheet that says keep three copies of this; these are your best possible backup rules. For a good design, the problem of changing requirements must be addressed. By mapping every scenario imaginable and implementing support for the transitions, usability would increase significantly. This'd answer your problem – I'd call it paranoia – of ransomware. By the way, qubesos can make at arbitrary times exact or near exact VM image backups, and and move files from one host OS to another, without shutting down, mitigating every non-targeted piece of ransom malware & majority of non-state-backed targeted ransom malware.