Indeed - I think Windows Defender dabbled in offering this as a feature. I at least recall seeing programs prevented from creating files in the Desktop or Documents folders.
A rate limit, with group-policy controllable "automatic response" would perhaps help - you need the GPO integration though so that an IT admin can say "never allow file system rate limit to be exceeded".
If you enforce a rate limit locally, and on the network, and move to copy-on-write filesystems, it would be a whole lot harder to cause straightforward harm (at least while migrating to a newer, safer OS architecture paradigm, where code doesn't run as the user).
In the post-Covid world, I think MS and others have a whole host of these kinds of issues to think about - Windows in an AD environment is still (as far as I know) not something really geared for working off-prem. It still relies heavily on LDAP and CIFS etc. A re-write to get a desktop OS ready for the "web first" world (where everything is sent to the AD domain TCP/443, using HTTPS, with client certificates rather than passwords, stored locally via hardware-backed secure storage, and trusted CAs used by the DC) would be a big first step towards this. Yes, I know you could use Direct Access or whatever MS has butchered into the system, but in a world moving to zero trust, MS needs to move to zero trust.
Rate limits would be a great starting point, as would some proper platform-level protections around preserving shadow copies, using copy-on-write, and locally preserving versioned user files as a priority. As soon as a ransomware attack touches the network, IT should be able to handle it, as their backup regime should take effect. At that point, if you don't have backups sufficiently separate from user-writable files (or you never validate them, and thus don't realise you're backing up transparently encrypted ransomware'd files for months), you're on your own!