You can always reformat the computer, right?
Yes. But what if your personal files are seized and you can't use them?
If you are an idiot and not only you caught a virus but also you didn't backup your "epic important personal files" then please stop using a computer because you are clearly unable to use one. You are doing more damage than good.
I personally use several anti virus software but occasionally I still need to disable them to get certain jobs done. Just like you can have several locks on your door but you still need to open them sometimes, and the robbers still have chance breaking in. Right is right, wrong is wrong. This blaming victim mentality is always misguided to say the least.
The thieves may use this as an excuse for what they do, but it doesn't make them any less despicable. I am sure they will burn and rot in hell.