While this may be the best option for some people, all is does is keeps the criminals coming back for more.
Giving them a credit card and not cancelling it right after would also be a bad idea.
I personally wouldn't pay them because I'm not that worried about losing the few photos and documents on my computer. But I definitely understand someone that has their business compromised by something like this being willing to pay.
Yes, if everyone refused to pay the ransom, these attacks would stop, but that's just not realistic. For any individual, their decision to pay or not pay will not affect the viability of ransomware.
Hackers sell lists of people who will pay ransoms.
Your roommate is likely going to be targeted repeatedly going forward.
Well, my roommate wasn't targeted, the office he works in was. It's a small law firm. His boss, the managing partner, is the one who paid. I hope he also paid someone to provide network security.